Risk Campaign Architect – Data-Driven Banking

Permata Bank; Tangerang; On-site; IDR 180,000,000 - 300,000,000; Full time

Job summary

Permata Bank, one of Indonesia's leading banks, is seeking a data-driven risk analytics professional to join its risk and product analytics teams in Tangerang. You will analyze data, segment customers, and support risk-driven campaigns using SAS and SQL.

The role requires 3–5 years of experience in risk/credit analytics or product analytics in banking or fintech, and a Bachelor’s degree in Statistics, Mathematics, CS, Engineering, or Economics.

Qualifications

• 3–5 years of experience in risk analytics, credit analytics, or product/campaign analytics.
• Experience in banking, financial services, fintech, or consumer lending preferred.
• Bachelor’s degree in Statistics, Mathematics, Computer Science, Engineering, Economics, or related field from reputable university.

Responsibilities

• Support risk-driven product and marketing campaigns through data analysis and customer segmentation
• Develop and execute campaign targeting logic based on risk criteria, behavioral patterns, and product lifecycle
• Apply risk rules such as cut-offs, thresholds, exclusions, and eligibility checks in customer selection
• Support post-campaign team to build timely opportunity database for post-campaign risk performance analysis (e.g., delinquency, roll-rate, loss indicators)
• Data Preparation & Process: Extract, transform, and validate large-scale datasets using SAS and SQL
• Build reusable SAS programs and macros for recurring campaign processes
• Translate business and risk policies into accurate technical logic
• Perform data quality checks and reconciliation to ensure accuracy and audit readiness
• Reporting & Documentation: Produce campaign result datasets, summary tables, and management-ready reports
• Track and report key campaign metrics such as approval rate, take-up rate, and risk outcomes
• Document data logic, assumptions, and campaign rules clearly for governance and audit purposes
• Work closely with Risk MIS & Policy, CCPL Product, Marketing, Sales, Consumer Loan Ops, CCPL Credit Initiation and IT teams to deliver campaign requirements
• Liaise with Data Science & Advance analytics team to manage propensity model implementation to improve takers, volume & revenue through pricing, channel & cost improvement strategies
• Support campaign execution within defined timelines and operational constraints
• Ensure compliance with internal risk controls and data governance standards

Skills

Risk analytics

Credit analytics

Campaign analytics

Data analysis

Education

Bachelor's degree in Statistics/ Mathematics/ Computer Science/ Engineering/ Economics

Tools

SAS

SQL

Job description

Permata Bank, one of Indonesia's leading banks, is seeking a data-driven risk analytics professional to join its risk and product analytics teams in Tangerang. You will analyze data, segment customers, and support risk-driven campaigns using SAS and SQL.

The role requires 3–5 years of experience in risk/credit analytics or product analytics in banking or fintech, and a Bachelor’s degree in Statistics, Mathematics, CS, Engineering, or Economics.