Product Consultant - Credits

Simplify; Jakarta Pusat; On-site; IDR 240,000,000 - 600,000,000; Full time

Job summary

Simplify is seeking a Credit, Lending & Collections Product Consultant to implement SimplifyCredit for banks, NBFCs, and fintechs in Indonesia. You will gather requirements, translate policies into rules, and drive AI-enabled decision workflows across origination, underwriting, and collections.

You will collaborate with client teams on policy design, integration, and process improvement, becoming a functional SME for SimplifyCredit and leading product demonstrations.

Qualifications

• Bachelor's degree in Accounting, Finance, Risk Management or related field.
• 5–12 years of hands-on experience in Credit, Lending, Loan operations, Collections or Risk management in Indonesia.
• Strong practical understanding of end-to-end lending lifecycle.
• Experience with banks, NBFCs, multifinance companies, fintechs or lending institutions.
• Experience in lending technology implementations or transformations.
• Strong experience collaborating with business stakeholders.
• Excellent Bahasa Indonesia and English communication.

Responsibilities

• Work with banks, multifinance companies, fintechs and lending institutions to map current lending processes.
• Identify opportunities for process simplification, automation, and AI-led decision support.
• Document end-to-end credit origination processes.
• Support integration of internal and external data sources used during underwriting.
• Translate client credit policies into system rules and automated workflows.
• Facilitate workshops and translate business processes into product configuration.
• Support product development and implementation for SimplifyCredit.
• Demonstrate the product to clients and prospects, driving adoption.

Skills

Credit underwriting

Loan lifecycle management

Collections

Financial services tech

Education

Bachelor's degree in Accounting, Finance, Risk Management or related field

Tools

Finastra

Temenos

Oracle Banking

FIS

Newgen

SAS

Pega

Job description

Simplify is looking for a Credit, Lending & Collections Product Consultant to work closely with banks, multifinance companies, fintechs, and other financial institutions implementing and adopting SimplifyCredit.

SimplifyCredit is an AI-enabled platform covering the broader lending lifecycle, including: Credit origination, Credit assessment, Loan processing, Loan management, Collections and recovery, Joint financing, Multi-financing, Credit analytics and decision support, Workflow and process automation

This is a client-facing consulting and product enablement role.

The consultant will work with client teams across Credit, Risk, Lending, Operations, Collections, Business, Finance, and Technology to understand existing processes, policies, rules, and pain points and translate them into an effective SimplifyCredit implementation.

The individual should have strong hands-on knowledge of credit underwriting, loan lifecycle management, collections, and multifinance operations, together with experience working on or implementing financial-services technology products.

Key Responsibilities

• Work with banks, multifinance companies, fintechs, and lending institutions to understand their current lending processes.
• Identify opportunities for process simplification, automation, and AI-led decision support.
• Understand and document the end-to-end credit origination process.
• Support integration of internal and external data sources used during underwriting.
• Understand client credit policies and translate them into system rules.
• Support development of automated and semi-automated credit-decision workflows.
• Understand the complete loan lifecycle from approval through disbursement, servicing, repayment, closure, restructuring, and recovery.
• Work with client collection teams to design and optimize collection strategies.
• Understand collection operations across different delinquency stages and DPD buckets.
• Support use of AI for collection prioritization, customer treatment strategy, and contact recommendations.
• Work with multi-finance clients across products & understand dealer, branch, agent, and customer-originated financing processes.
• Understand collateral, asset valuation, down payment, tenure, residual value, and financing structures.
• Understand & help configure business rules for joint-financing structures.
• Work with Finance and Operations teams on reconciliation and settlement requirements.
• Become a functional subject-matter expert on SimplifyCredit.
• Conduct product demonstrations for clients and prospects.
• Facilitate requirement gathering and solution design workshops & translate business processes into product configuration.
• Support the product development and implementation.
• Help clients redesign processes rather than simply replicate legacy workflows.

Requirements

Must-Have

• Bachelor's degree in Accounting, Finance, Risk Management or related field.
• Preferably 5–12 years of hands-on experience managing Credit, Lending, and Loan operations, Collections, Risk management, or related field in Indonesia.
• Strong practical understanding of end-to-end lending lifecycle.
• Experience with loan origination and/or loan management processes.Practical knowledge of collections and recovery.
• Experience working with banks, NBFCs, multifinance companies, fintechs, or lending institutions.
• Experience participating in implementation or transformation programs involving lending technology.
• Strong experience working directly with business stakeholders.
• Good communication skills in Bahasa Indonesia and English.

Nice-to-Have

• Exposure to platforms such as: Finastra, Temenos, Oracle Banking, FIS, Newgen, SAS, Pega, etc
• Previous experience independently managing end-to-end loan management, joint financing, credit origination & policy, etc.
• Experience in a startup, technology, SaaS, consulting or professional-services company.
• Professional certification in banking, risk, credit, collections, or financial services.
• Comfortable working with senior stakeholders.

Why Join Us?

• Work in a fast-growing AI and technology company.
• Gain exposure to diverse finance and business operations.
• Opportunity to build and improve finance processes as the company grows.
• Work closely with management and cross-functional teams.
• Collaborative and fast-paced working environment.