Credit Scoring & MIS Manager

PT KB Finansia Multi Finance; Jakarta Utara; On-site; IDR 600,000,000 - 900,000,000; Full time

Job summary

PT KB Finansia Multi Finance is seeking a Credit Scoring & MIS Manager to lead development of credit scoring models, MIS, and risk analytics to support strategic decision-making. This role requires 5+ years in credit risk with at least 2 years in a managerial capacity, plus strong SQL and one of Python/R/SAS.

The ideal candidate will lead the implementation of scoring models into systems, drive portfolio monitoring, and explore data-driven risk management approaches for regulatory and business

Qualifications

• Bachelor’s degree in Statistics, Mathematics, Actuarial Science, Data Science, Economics, Finance, Computer Science or related field.
• 5+ years in credit risk, credit scoring, risk analytics, or portfolio analytics, ideally in banking/fintech/financial services.
• 2+ years in a managerial or supervisory role.
• Strong experience in developing, implementing, and monitoring credit scoring models.
• Proficient in SQL and at least one programming/statistical language (Python, R, SAS).
• Experience in credit risk MIS, dashboard development, and management reporting.

Responsibilities

• Lead development and enhancement of credit scoring models (Application, Behavior, Collection).
• Oversee Credit Risk MIS infrastructure, dashboards, reporting, and documentation.
• Provide timely, insightful credit portfolio data and analytics to Management.
• Monitor model usage, score results, and performance for continuous improvement.
• Develop and maintain credit risk stress testing and portfolio monitoring tools.
• Evaluate new risk modeling methodologies and data sources for enhancements.
• Lead Proof of Concept activities and assess third-party scoring tools.
• Analyze credit risk data and gaps against regulations, standards, and policies.

Skills

SQL

Python

R

SAS

Education

Bachelor’s degree in Statistics/Mathematics/Actuarial Science/Data Science/Economics/Finance/CS

Tools

Credit Risk MIS

Job description

PT KB Finansia Multi Finance (Kreditplus)

We are looking for a Credit Scoring & MIS Manager to lead the development and enhancement of credit scoring models, credit risk MIS, portfolio monitoring, and credit risk analytics to support effective risk management and strategic decision-making.

What You’ll Do

Lead the development, maintenance, and enhancement of credit scoring models, including Application, Behavior, and Collection Scoring, using internal and external data.

Lead the development and maintenance of Credit Risk Management Information System (MIS), including infrastructure, documentation, portfolio monitoring dashboards, and reporting.

Provide accurate, timely, and insightful credit portfolio data, reports, and analytical information to Management and related stakeholders.

Manage the implementation of credit scoring models into systems and operations, and monitor model usage, score results, and performance for continuous improvement.

Develop and maintain credit risk stress testing and relevant portfolio monitoring tools to assess portfolio resilience.

Explore and evaluate new credit risk modeling methodologies, alternative data sources, and data-driven solutions to enhance credit scoring and risk assessment.

Lead Proof of Concept (POC) activities and evaluate third-party credit scoring tools or applications to assess their effectiveness and suitability for implementation.

Conduct analysis and gap assessment of credit risk data, reporting, and monitoring practices against applicable regulations, standards, and internal policies.

Collaborate with Credit Policy, Risk, Business, IT, Data, and other related functions to drive credit risk improvement initiatives.

What We’re Looking For

Bachelor’s degree in Statistics, Mathematics, Actuarial Science, Data Science, Economics, Finance, Computer Science, or other relevant fields.

Minimum 5 years of experience in credit risk, credit scoring, credit risk modeling, risk analytics, portfolio analytics, or related areas, preferably in banking, multifinance, fintech, or financial services.

Minimum 2 years of experience in a managerial or supervisory role.

Strong experience in developing, implementing, and monitoring credit scoring models.

Strong understanding of credit risk modeling, statistical analysis, and portfolio performance monitoring.

Proficient in SQL and at least one programming/statistical language such as Python, R, SAS, or equivalent.

Experience in credit risk MIS, dashboard development, and management reporting.

Experience in stress testing, model performance monitoring, and model enhancement is highly preferred.

Knowledge of PSAK 71/IFRS 9, PD, LGD, and ECL is an advantage.

Strong analytical, problem-solving, communication, and stakeholder management skills.

Strong interest in data-driven risk management, new modeling methodologies, alternative data, and technology-based solutions.

Why Join Us?

At Kreditplus, you will have the opportunity to work at the intersection of Credit Risk, Data, Technology, and Business, and play an important role in strengthening our credit decisioning and portfolio risk management capabilities.

If you are passionate about credit risk modeling, analytics, and data-driven decision making, we’d love to hear from you!

PT Finansia Multi Finance was established in 1994 and is fully licensed to carry out various multi-finance activities including consumer financing, leasing, factoring and credit cards. To further strengthen customer confidence and trust, on July 3, 2020, PT Finansia Multi Finance officially joined KB Kookmin Card, the largest financial group in South Korea and changed its name to PT KB Finansia Multi Finance (PT KB FMF). Currently, PT KB FMF has more than 8,000 employees spread across 200 branches throughout Indonesia. PT KB FMF is committed to being the best financing institution in Indonesia.

PT Finansia Multi Finance was established in 1994 and is fully licensed to carry out various multi-finance activities including consumer financing, leasing, factoring and credit cards. To further strengthen customer confidence and trust, on July 3, 2020, PT Finansia Multi Finance officially joined KB Kookmin Card, the largest financial group in South Korea and changed its name to PT KB Finansia Multi Finance (PT KB FMF). Currently, PT KB FMF has more than 8,000 employees spread across 200 branches throughout Indonesia. PT KB FMF is committed to being the best financing institution in Indonesia.