Head of Risk Management

Asetku; Jakarta Pusat; Presencial; IDR 900 000 000 - 1 300 000 000; Tempo integral

Resumo da oferta

Asetku is seeking a seasoned Risk Manager in Jakarta to lead the risk strategy and drive robust controls across our lending operations. You will shape risk appetite, oversee credit risk models, and ensure compliance with regulatory requirements.

You will guide a team, analyze borrower behavior and portfolio performance, and report risk metrics to senior leadership. The role requires 10+ years in risk management within financial services, with strong OJK and AFPI familiarity.

Qualificações

• Bachelor's or Master's degree in finance, economics, accounting, business, risk management, or related fields.
• Minimum 10 years of relevant risk management experience in financial services or banking.
• Solid knowledge of risk management principles and credit risk management.
• Familiarity with OJK regulations and P2P lending rules.

Responsabilidades

• Develop and implement the company’s overall risk management strategy.
• Lead the Risk Management team and provide strategic direction for risk mitigation and compliance.
• Establish risk appetite aligned with business objectives and regulatory requirements.
• Oversee credit risk models, borrower verification, and loan default prediction.
• Analyze borrower behavior and portfolio performance to support data-driven decisions.
• Ensure robust internal controls to prevent fraud and maintain compliance with standards.
• Collaborate with Legal and Compliance to address regulatory changes.
• Provide regular risk reports and foster a culture of risk awareness.

Conhecimentos

Risk management principles

Credit risk management

Regulatory knowledge (OJK, AFPI, P2P)

Financial processes in banking

Data-driven decision making

Formação académica

Bachelor’s or Master’s degree in Finance/Economics/Accounting/Business/Risk Management

Descrição da oferta de emprego

Responsibilities

• Develop and implement the company’s overall risk management strategy.
• Lead, oversee, and provide strategic direction to the Risk Management team to ensure effective risk mitigation and compliance.
• Establish the company’s risk appetite and ensure alignment with business objectives and regulatory requirements.
• Oversee the development and implementation of credit risk models, including credit assessment, borrower verification, and loan default prediction.
• Analyze borrower behaviour, payment patterns, and overall portfolio performance to support data-driven risk decisions.
• Identify operational risks related to lending activities, including fraud, data security, and operational inefficiencies.
• Ensure robust internal controls and processes are in place to prevent fraud and maintain compliance with industry standards.
• Develop and implement business continuity and disaster recovery plans.
• Develop risk mitigation strategies related to liquidity, investments, and market volatility.
• Ensure the company complies with applicable regulations, Anti-Money Laundering (AML) requirements, and data privacy laws.
• Collaborate with the Legal and Compliance teams to address regulatory changes and concerns.
• Provide regular and transparent reporting on risk metrics, strategies, and outcomes.
• Build a strong risk awareness culture across the organization, ensuring that all employees understand and prioritize risk management in their respective roles.
• Provide training and development programs on risk management best practices.

Requirements

• Bachelor’s or Master’s degree from a reputable university, preferably in Finance, Economics, Accounting, Business, Risk Management, or other relevant fields.
• Minimum 10 years of relevant experience in Risk Management within the financial services, banking, or related industries.
• Solid knowledge of risk management principles, credit risk management, and financial institution business processes.
• Strong understanding of OJK regulations and other applicable regulations, particularly those related to P2P Lending and financial services.
• A Risk Management Certification Level 5 from AFPI is preferred.