Director of Micro Lending Risk & Underwriting

Amartha; Jakarta Selatan; On-site; IDR 200,000,000 - 500,000,000; Full time

Job summary

Amartha in Indonesia is seeking a Senior Underwriting Lead to shape the underwriting strategy for its micro-lending portfolios and ensure sustainable growth through balanced risk and approvals.

You will design and continuously improve underwriting policies, credit scorecards, decision engines, and verification standards, while managing a team of analysts and collaborating with Product, Data, and Operations.

Qualifications

• Bachelor's degree in Finance, Economics, Statistics, Mathematics, Engineering, Data Science or related field.
• 5+ years in credit risk/underwriting in financial services.
• At least 3 years in a leadership/managerial role.
• Experience in retail lending, consumer finance, fintech, or banking.
• Strong analytical skills and credit risk judgement.

Responsibilities

• Own underwriting strategy for micro lending portfolios, translating risk appetite into criteria.
• Periodic review of policies based on portfolio performance and market changes.
• Design and maintain credit decisioning framework including scorecards and risk segmentation.
• Monitor metrics: approval rate, booking/disbursement, cohort performance, repayment.
• Embed fraud risk identification in end-to-end underwriting.
• Improve underwriting processes to support growth while maintaining quality.
• Collaborate with Product, Data, Tech, and Operations to build scalable capabilities.
• Lead and grow the team of analysts.

Skills

Credit risk management

Decision engines

Leadership

Credit scoring

Risk segmentation

Education

Bachelor's degree in Finance, Economics, Statistics, Mathematics, Engineering, Data Science or related field

Tools

SQL

Python

R

SAS

Job description

Amartha in Indonesia is seeking a Senior Underwriting Lead to shape the underwriting strategy for its micro-lending portfolios and ensure sustainable growth through balanced risk and approvals.

You will design and continuously improve underwriting policies, credit scorecards, decision engines, and verification standards, while managing a team of analysts and collaborating with Product, Data, and Operations.