Credit Scoring and Risk Manager

pt abadi sejahtera finansindo (singa fintech); Banten; On-site; IDR 279,000,000 - 502,200,000; Full time

Job summary

pt abadi sejahtera finansindo (singa fintech) seeks an experienced professional to lead development, governance, and validation of credit scoring and risk-control models in support of responsible portfolio growth.

The role requires 3–5 years in credit risk, strong SQL/Python skills, and the ability to communicate complex model concepts to regulators in English. Collaboration across Product, Data, and Compliance is essential for OJK audit readiness.

Qualifications

• Bachelor’s degree in Statistics, Mathematics, Economics, Finance or related field.
• 3–5 years hands-on experience in credit risk, credit-scoring governance, or risk-strategy review within lending/fintech.
• Practical skills in SQL and Python for risk-data analysis and model scripting.
• Solid grasp of common risk-modelling algorithms including LR, XGBoost, and LightGBM; ability to explain model logic to regulators.

Responsibilities

• Lead development, implementation, and governance of credit scoring and risk-control models.
• Review and validate risk modules, rule engines, and decision trees for production go-live.
• Analyze portfolio metrics (approval and default rates) and conduct data sanity checks.
• Define risk appetite, cut-off strategies, and score thresholds aligned with Indonesian conditions.
• Collaborate with Product, Data, Collection and Compliance to meet objectives and regulations (OJK).
• Serve as focal point for OJK audits; explain model principles and coordinate audit materials.
• Review model validation reports, back-testing, and recalibration activities.
• Prepare risk performance reports and share insights with senior management, including cross-border coordination.

Skills

Communication

Stakeholder management

English (Business)

Indonesian market knowledge

Education

Bachelor’s degree in Statistics/Mathematics/Economics/Finance

Tools

SQL

Python

LR

XGBoost

LightGBM

Job description

Lead the development, implementation, and governance of credit scoring and risk control models to support sustainable portfolio growth and effective risk management.

Key Responsibilities

• Review, monitor and interpret existing credit scoring models (application scoring, behavioral scoring, collection scoring) and localized risk strategies; organize and compile complete model‑related documentation for regulatory audit.
• Participate in configuration review, validation and production go‑live verification of risk‑control modules and decision engines, including rule engines, policy rules and decision trees.
• Analyze portfolio performance metrics such as approval rate, default rate and model effectiveness; conduct risk‑data sanity checks using SQL and Python.
• Participate in defining and optimizing risk appetite, cut‑off strategies and score thresholds in alignment with Indonesian business conditions and regulatory constraints.
• Collaborate cross‑functionally with Product, Data, Collection and Compliance teams to ensure risk designs meet business objectives and OJK regulatory requirements.
• Serve as the key focal point for OJK audits: clearly explain model principles, workflow and end‑to‑end operating mechanisms to regulators; coordinate the submission of full audit materials.
• Review model validation reports, assess back‑testing outcomes, and govern periodic model recalibration activities.
• Prepare risk performance reports and deliver insights to senior management; conduct regular cross‑border collaboration with overseas headquarters in business English.

Requirements

• Bachelor’s degree in Statistics, Mathematics, Economics, Finance or other related disciplines.
• 3‑5 years of hands‑on experience in credit risk, credit‑scoring model governance or risk‑strategy review within the lending or fintech industry.
• Practical skills in SQL and Python for risk‑data analysis, sanity checks, and understanding feature engineering and model scripts.
• Solid grasp of principles for common risk‑modelling algorithms including LR, XGBoost and LightGBM; capable of clearly explaining model logic and full operating mechanism to regulators during OJK audit.
• Practical experience in reviewing decision‑engine configurations, rule‑sets and production roll‑out deliverables.
• Strong analytical thinking, outstanding communication and stakeholder‑management skills; confident in formal regulatory briefing and explanation.
• Business‑proficient English for daily cross‑border communication. Chinese language is NOT required.
• Prior work experience at Indonesian fintech or PJP lending institutions is highly preferred.
• Familiarity with OJK regulatory rules and frameworks, with hands‑on audit‑response experience is a strong plus.