Credit Risk Scoring & Portfolio Manager

PT Sejahtera Sama Kita; Jakarta Utara; On-site; IDR 200.000.000 - 300.000.000; Full time

Job summary

A leading fintech company in Indonesia is seeking a Credit Risk Analyst to develop credit scoring models and provide data-driven insights for policy formulation. The ideal candidate has 3–5 years of experience in credit risk management and familiarity with regulatory audits. This role is based in South Jakarta and offers opportunities to coordinate across multiple functions for effective risk management.

Qualifications

• 3–5 years experience in data science or credit risk management.
• Statistical modelling and ML knowledge.
• Exposure to OJK/regulatory audits preferred.

Responsibilities

• Build and maintain credit scoring models.
• Support credit policy formulation with data-driven recommendations.
• Prepare monthly portfolio reports and insights.

Skills

Data Science

Statistical Modelling

Machine Learning

Credit Scoring

Portfolio Analytics

Regulatory Compliance

SQL

Python

Education

Bachelor's/Master's degree in Finance, Mathematics or related field

Job description

Build and maintain credit scoring models using SQL, Python, and ML techniques.

Support credit policy formulation with data-driven recommendations.

Explore new alternate data sources, run POC experiments, and measure portfolio impact.

Prepare monthly portfolio reports and insights for management and bank partners.

Highlight early risk signals and recommend corrective actions.

Coordinate with Risk, Finance, Compliance, and Tech for regulatory alignment and reporting.

Support OJK and partner audits with data, analysis, and presentations.

Manage multiple counterparts in a multi-license environment (lending, e-wallet/PJP, aggregator).

Requirements:

Bachelor's/Master's degree in Finance, Mathematics or related field.

3–5 years experience in data science, credit scoring model development, portfolio analytics, or credit risk management, ideally in fintech or retail banking. Exposure to OJK/regulatory audits and multi-entity collaboration is preferred.

Statistical modelling and ML knowledge.

Experience with portfolio reporting and impact analysis.

Familiarity with OJK credit risk requirements.

Willing to be placed in South Jakarta.

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