Senior Digital and Embedded Lending Risk Lead

PT Amartha Mikro Fintek (Jakarta); Daerah Khusus Ibukota Jakarta; On-site; USD 20,000 - 30,000; Full time

Job summary

A leading technology company in Jakarta is seeking a Senior Digital and Embedded Lending Risk Lead to enhance its digital risk management team. The role focuses on developing credit risk policies, analyzing customer profiles, and collaborating across teams to ensure effective risk management in digital lending. Candidates should have a strong background in credit risk management and excellent communication skills. Join us in fostering inclusive economic growth through innovative financial solutions.

Qualifications

• 5+ years experience in credit risk management or risk analysis.
• Strong understanding of credit underwriting and portfolio management.

Responsibilities

• Develop and maintain credit risk policies for digital lending products.
• Analyze credit data to define lending thresholds and approval criteria.
• Monitor portfolio performance and loan repayment trends.

Skills

Communication

Collaboration

Education

Bachelor’s degree in Finance

Bachelor’s degree in Economics

Bachelor’s degree in Engineering

Bachelor’s degree in Business Administration

Job description

Senior Digital and Embedded Lending Risk Lead

Amartha is a technology company focused on creating shared prosperity by developing digital financial solutions for the grassroots economy. Founded in 2010 as a microfinance institution, Amartha connects rural, women-led micro-enterprises with affordable capital. Amartha is expanding as a tech company, building a microfinance ecosystem that connects to the growing digital economy through capital, investment, and payment services. By boosting the competitiveness of micro and small entrepreneurs, Amartha empowers women-led MSMEs, creates jobs, and fosters inclusive economic growth.

About The Team

Amartha is actively expanding its digital risk management team as part of our strategic focus on digital transformation in 2025. We are looking to strengthen our capabilities in managing digital lending risks to support our growing portfolio of digital financial products. To this end, we are currently seeking a highly skilled Senior Digital and Embedded Lending Risk Lead to join our team. This role will play a critical part in shaping and overseeing the risk management strategies for our digital lending platforms, ensuring that we continue to provide secure and effective financial solutions to our customers while mitigating potential risks in a rapidly evolving digital landscape.

Responsibilities

• Develop and maintain credit risk policies and frameworks for digital lending products and/or embedded finance products.
• Analyze credit data and customer profiles to define lending thresholds, risk tolerance, and approval criteria.
• Establish exposure limits-based analysis for partners.
• Propose risk-adjusted pricing strategies based on customer risk profiles.
• Monitor portfolio performance and loan repayment trends to adjust risk policies and mitigate potential losses.
• Collaborate with data science teams to continuously improve risk scoring models and decision engines.
• Partner with product, business, operation, collection etc to align credit policies with business growth strategies and customer needs.
• Prepare reports and presentations on portfolio health and risk exposure for stakeholders
• Drive innovation in credit risk assessment methods, particularly using alternative data sources and digital-first strategies.
• Monitor changes in regulatory environments and adjust policies to maintain compliance with evolving legal frameworks.

Requirements

• Bachelor’s degree in Finance, Economics, Engineering, Business Administration, or a related field are a plus.
• 5+ years experience in credit risk management, policy development, or risk analysis, ideally within digital lending, banking, leasing (multifinance) and fintech.
• Strong understanding of credit underwriting and portfolio management.
• Experience working within the embedded finance space/ managing risk in partnership with third-party platforms
• Excellent communication and collaboration skills with the ability to work across teams and external partners
• Familiarity with digital lending platforms, credit technology, and alternative lending models is a plus.

At Amartha, we are dedicated to creating a workplace that celebrates diversity, ensures equity, and fosters inclusion. We believe that diverse perspectives—shaped by factors such as gender, age, race, ethnicity, education, culture, and life experiences—drive innovation and growth.

We actively welcome individuals from all backgrounds to join us in building an environment where everyone feels respected, valued, and empowered. Our commitment is to provide equal opportunities and foster a sense of belonging that enables our employees to thrive and make meaningful contributions.

Alamat email kamu