Credit Risk Scoring & Portfolio Manager

PT Sejahtera Sama Kita; Jakarta Utara; On-site; IDR 833.889.000 - 1.167.445.000; Full time

Job summary

A leading finance company in Jakarta is seeking a skilled individual to strengthen credit risk and portfolio management for their digital retail financing products. The role involves developing credit scoring models, monitoring portfolio performance, and engaging with partners during regulatory audits. Candidates should have strong skills in SQL and Python, with at least 4-6 years of experience in data science, ideally within fintech or retail banking. Collaborative individuals with analytical abilities and strong communication skills are encouraged to apply.

Qualifications

• 4-6 years of experience in data science, credit scoring model development, or portfolio analytics.
• Experience in fintech or retail banking preferred.
• Familiarity with OJK credit risk requirements.

Responsibilities

• Support HQ in credit scoring model development using SQL and Python.
• Monitor portfolio performance and deliver analytical insights.
• Evaluate new data sources to enhance underwriting precision.
• Engage with regulators and partners on portfolio quality.

Skills

SQL

Python

Statistical modeling

Machine learning

Analytical skills

Communication skills

Portfolio analytics

Education

Bachelor's or Master's in Finance, Statistics, Mathematics, Data Science, or related field

Job description

Main responsibility

Strengthen the company’s credit risk and portfolio management for digital retail unsecured financing products (BNPL, cash loans). Deliver data-driven underwriting insights, monitor portfolio performance, and support regulatory and partner reporting.

What you will do

1. Credit Scoring & Modeling Support HQ in developing and maintaining credit scoring models using SQL, Python, and machine learning techniques. Contribute to credit policy refinement through data-driven insights and model performance analysis.
2. Portfolio Monitoring & Reporting Monitor portfolio performance, delinquency, and loss trends to identify early risk signals. Deliver monthly portfolio reports and analytical insights for management and related business units.
3. Exploration of New Data Sources & Tools Evaluate and test alternative local data sources or tools to enhance underwriting precision. Lead proof‑of‑concept (POC) initiatives and assess their business and risk impact.
4. Regulatory & Partner Engagement Represent the Credit Risk team in OJK audits and bank partner engagements. Prepare reports and defend the company’s portfolio quality and underwriting standards to regulators and partners.

What you will need to have

1. Bachelor's or Master's in Finance, Statistics, Mathematics, Data Science, or related field.
2. 4-6 years of experience in data science, credit scoring model development, portfolio analytics, or credit management. Ideally in fintech or retail banking. Exposure to OJK/regulatory audits is preferred.
3. Strong SQL & Python skills, statistical modelling and machine learning knowledge.
4. Experience with portfolio reporting and impact analysis. Familiarity with OJK credit risk requirements.
5. Possess analytical and detail-oriented. Strong communicator, able to present insights clearly.
6. Collaborative, and able to manage multiple priorities.

PT WOORI FINANCE INDONESIA TBK

Jakarta, ID