Head of Risk Underwriting

PT Amartha Mikro Fintek; Jakarta Pusat; Presencial; IDR 500.000.000 - 900.000.000; Jornada completa

Descripción de la vacante

Amartha in Indonesia is seeking a senior underwriting leader to drive the strategy and credit decisioning framework for its micro-lending portfolio, balancing risk, growth, and customer quality to sustain objectives.

You will design and continuously improve underwriting policies, scorecards, and decision engines, while partnering with Product, Data, Technology and Operations to build scalable capabilities and manage a team of analysts.

Formación

• Bachelor's degree or higher in a relevant field.
• Minimum 5+ years in credit risk/underwriting in financial services.
• At least 3 years in a leadership/managerial role.
• Experience with retail lending, digital lending, or fintech.
• Strong analytical, risk judgment, and ability to translate growth strategy into scalable credit strategy.
• Proficiency with analytics tools like SQL, Python/R, SAS.

Responsabilidades

• Own underwriting strategy for micro lending portfolios and translate risk appetite into criteria and policies.
• Periodically review policies based on portfolio performance and market changes.
• Design and maintain credit decisioning framework, including scorecards and risk segmentation.
• Monitor approval, booking/disbursement, cohort performance, and repayment metrics.
• Embed fraud risk identification in the underwriting process.
• Collaborate with Product, Data, Technology and Operations to scale underwriting capabilities.
• Lead and grow the analytics team.

Conocimientos

Credit risk management

Underwriting leadership

Credit scoring

Risk segmentation

Forecasting & analytics

SQL

Python/R

SAS

Educación

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

Herramientas

SQL

Python/R

SAS

Descripción del empleo

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 Role

This role will lead underwriting strategy and credit decisioning framework Micro Lending portfolio, ensuring sustainable growth through the right balance of risk, approval rate, customer quality, and commercial objectives.

The role is also accountable for designing and continuously improving underwriting policies, credit scorecards, decision engines, verification standards, and approval strategies.

Responsibilities

• Own the underwriting strategy for micro lending portfolios, by translating the company's risk appetite into practical credit acceptance criteria and underwriting policies
• Periodically review policies based on portfolio performance, market changes and emerging risks.
• Own the design and effectiveness of the credit decisioning framework, including Credit scorecards and risk segmentation, Credit bureau utilization, automated underwriting, Group/member-level assessment, Limit assignment, decline and referral strategies
• Monitor the relationship between underwriting decisions and subsequent portfolio performance, with key metrics such as approval rate, booking/disbursement rate, Cohort performance, Repayment rate.
• Embed fraud risk identification and prevention into the end-to-end underwriting process.
• Continuously review the underwriting process to support business growth while keeping the acceptable quality of new booking
• Work closely with Product, Data, Technology and Operations to build scalable underwriting capabilities.
• Managing and grow the team of analysts

• Minimum bachelor's degree in Finance, Economics, Statistics, Mathematics, Engineering, Data Science or related field.
• Min 5+ years of experience in credit risk/underwriting within financial services
• At least 3 years in a leadership/managerial position.
• Strong experience in retail lending, consumer finance, digital lending, fintech, banking or multifinance.
• Strong understanding of Credit risk management, decision engines, Risk segmentation, Credit scoring, and risk performance monitoring
• Strong number/analytical capability and credit risk judgment
• Able to translate company growth strategy into a scalable credit strategy.
• Experience with SQL, Python/R, SAS, or similar analytics tools