Legal Credit Counsel

Moladin; Daerah Khusus Ibukota Jakarta; On-site; IDR 300.000.000 - 400.000.000; Full time

Job summary

A leading mobility fintech platform in Indonesia is seeking a Legal Credit Operations professional. The role involves developing legal credit programs, ensuring compliance with regulations, and providing legal opinions on financing contracts. Ideal candidates will have a Bachelor's degree and 5-10 years of experience in financial institutions, with strong attention to detail and excellent communication skills.

Qualifications

• Minimum 5-10 years of relevant experience in legal credit and/or operations.
• Strong understanding of laws and regulations related to legal credit.
• Ability to provide sound advice and demonstrate good judgment.

Responsibilities

• Develop and implement legal credit operational programs.
• Prepare legal opinions and assist on financing contracts.
• Monitor changes in laws and ensure compliance.

Skills

Attention to detail

Communication skills

Integrity

Commitment

Education

Bachelor’s Degree or equivalent

Job description

Responsibilities

1. Develop, maintain, and implement legal credit operational programs, including policies, guidelines, documentation, training logs, and related policies/procedures.
2. Prepare legal opinions and provide assistance on financing contracts based on applicable law and regulations, including drafting, reviewing, advising, and obtaining the perfection of financing and security documentation.
3. Manage, monitor, and administer the public notary process to ensure effective and efficient processing of financing contracts, collateral checking, and pledging documentation, aiming for 'zero mistakes documentation' to secure creditor interests when exercising rights over Non-Performing Financing debtors.
4. Coordinate internal operations processes with credit analysts, appraisal, and custodian teams to ensure service levels align with company standard operating procedures.
5. Provide regular reports to management and submit accurate, timely reports to regulators as applicable, to avoid sanctions or fines.
6. Monitor changes in laws, regulations, and industry best practices to ensure the company remains compliant and up-to-date.
7. Liaise with external regulators such as the Land National Office, Ministry of Law and Human Rights, Courts, and other government agencies.

Requirements

1. Bachelor’s Degree or equivalent educational background.
2. Minimum of 5-10 years of relevant experience in legal credit and/or operations within financial institutions, preferably in Multifinance Companies and/or Banks.
3. Strong understanding of applicable laws, regulations, and industry standards, with focus on legal credit, compliance, and corporate governance.
4. Exceptional attention to detail, high responsibility, integrity, commitment, and discipline.
5. Passion for delivering high-quality work and exceeding expectations in a fast-paced environment.
6. Excellent communication skills, both oral and written, with the ability to provide sound advice and demonstrate good judgment.

About Moladin

Moladin is Indonesia’s leading mobility fintech platform offering end-to-end financing solutions for the used car and EV ecosystem. It supports a network of over 26,000 active used car agents and dealer MSMEs, providing consumers with better financing options through digitized loan underwriting. With branches and warehouses in over 100 cities, industry-leading AI/IoT technology, and partnerships with top auto financing companies across Indonesia, Moladin is committed to facilitating mobility for all. It is regulated by OJK through PT Moladin Finance Indonesia.

For more information, visit https://moladin.com