Post-Loan Credit Risk Portfolio Management Policy & Strategy

PT Bank Neo Commerce Tbk; Jakarta Pusat; On-site; IDR 650,000,000 - 900,000,000; Full time

Job summary

PT Bank Neo Commerce Tbk, a technology-driven Indonesian bank, seeks an experienced professional to lead portfolio risk strategy post-loan origination. You will design limit management, customer lifecycle actions, and monitoring systems, working with cross-functional teams including Collections and Data.

The role requires strong analytical skills, extensive experience in unsecured retail lending, and a deep understanding of risk lifecycle management in a fast-paced financial services environment.

Qualifications

• 6–10+ years in portfolio risk management, behavioral or collections strategy.
• Strong understanding of customer lifecycle management.
• Experience in unsecured retail lending.
• Strong SQL and analytical capability.

Responsibilities

• Own portfolio risk strategy after loan origination.
• Develop limit management and customer lifecycle strategies.
• Design transaction monitoring and behavioral risk strategies.
• Optimize early warning systems and portfolio monitoring.
• Develop collection segmentation and recovery strategies.
• Recommend strategy adjustments based on portfolio performance.
• Partner with Collections, Business, Operations and Data.

Skills

Portfolio risk management

Behavioral strategy

Collections strategy

Analytical capability

Unsecured retail lending

Tools

SQL

Job description

PT Bank Neo Commerce Tbk, formerly PT Bank Yudha Bhakti Tbk, is an Indonesia-based company primarily engaged in the banking business. The Company operates as a technology-based bank. The Company serves the customers in the Small and Medium Business (SME), Retail (Consumer) and Mass Market segments, through banking products and services embedded in an ecosystem by optimizing technology.

Responsibilities:

• Own portfolio risk strategy after loan origination.
• Develop limit management and customer lifecycle strategies.
• Design transaction monitoring and behavioral risk strategies.
• Optimize early warning systems and portfolio monitoring.
• Develop collection segmentation and recovery strategies.
• Recommend strategy adjustments based on portfolio performance.
• Partner with Collections, Business, Operations and Data.

Qualifications:

• 6–10+ years in Portfolio Risk Management, Behavioral Strategy or Collections Strategy.
• Strong understanding of customer lifecycle management.
• Experience in unsecured retail lending.
• Strong SQL and analytical capability.
• Experience in portfolio optimization and recovery strategy.