Credit Risk & Policy Lead: Unsecured Loans

Talent Search Recruitment - Indonesia; Kota Yogyakarta; On-site; IDR 200,000,000 - 320,000,000; Full time

Job summary

Talent Search Recruitment - Indonesia is seeking a Credit Risk & Policy Manager to develop credit policies, build scorecards, and manage unsecured consumer loan portfolios in Indonesia.

You will leverage Excel and SQL for data analytics, collaborate with risk, operations and finance to ensure regulatory compliance, and drive portfolio performance. 5-7 years of relevant experience is required; a Masters is a plus.

Qualifications

• Bachelors degree in Finance, Economics, Business, or a related field. A Masters degree is a plus.
• Proficient in English and preferably in Bahasa.
• 5-7 years of experience in credit policy and management, focusing on unsecured consumer loans in India and/or Indonesia.
• Strong knowledge of credit policy frameworks, credit scorecard development, and risk management.
• Proficiency in data analysis using Excel and SQL.
• Demonstrated ability to identify, measure, and mitigate credit risks effectively.
• Experience in portfolio management and developing collection strategies.
• Excellent analytical, problem-solving, and decision-making skills.
• Strong communication and interpersonal skills, with the ability to collaborate effectively with cross-functional teams.
• Detail-oriented with the ability to manage multiple priorities in a fast-paced environment.
• Knowledge of regulatory requirements and compliance in the financial services industry in India and/or Indonesia is essential.
• A strong personality who likes to build things from scratch, prioritizes learning and wants to grow sustainably (not hyper-growth) by assuming significant responsibility.

Responsibilities

• Credit Policy Development: Design and implement comprehensive credit policies and procedures that align with regulatory requirements and business objectives.
• Scorecard Building: Develop and maintain robust credit scorecards to effectively assess and predict consumers' creditworthiness.
• Credit Risk Management: Identify, measure, and mitigate credit risks associated with consumer loans; implement strategies to minimize losses and ensure portfolio health.
• Portfolio Management: Monitor and manage the loan portfolio, ensuring optimal performance and compliance with credit policies.
• Data Analysis: Utilize data analytics to identify trends, assess risks, and inform decisions using Excel and SQL.
• Collection Strategy: Develop and implement effective strategies to minimize delinquencies and maximize recoveries.
• Reporting and Documentation: Prepare regular reports on credit and collection activities and risk metrics; document policies and risk assessments.
• Cross-Functional Collaboration: Work with risk, operations, and finance for cohesive credit processes.
• Regulatory Compliance: Ensure activities comply with relevant regulatory requirements in Indonesia.

Job description

Talent Search Recruitment - Indonesia is seeking a Credit Risk & Policy Manager to develop credit policies, build scorecards, and manage unsecured consumer loan portfolios in Indonesia.

You will leverage Excel and SQL for data analytics, collaborate with risk, operations and finance to ensure regulatory compliance, and drive portfolio performance. 5-7 years of relevant experience is required; a Masters is a plus.