Risk Management (P2P Lending)

PT. Sahabat Mikro Fintek; Jakarta Utara; On-site; IDR 300,000,000 - 550,000,000; Full time

Job summary

PT Sahabat Mikro Fintek, known as SAMIR, is seeking a Risk Management professional to identify, assess, monitor, and mitigate risks across the P2P lending business, with a focus on cash loan products. The role supports risk assessment, RCSA, and data analysis to ensure compliance with internal policies and OJK regulations.

The candidate will work cross-functionally with Finance, Operations, Product, IT, Compliance, and other teams, driving risk reporting and action plans while staying updated on

Qualifications

• Bachelor's degree in risk-related field is required.
• Minimum 4 years of risk management experience in fintech, P2P lending, banking, or financial services.
• Strong understanding of risk assessment, RCSA, internal controls, KRI and risk mitigation.
• Familiarity with OJK regulations and P2P lending/LPBBTI.

Responsibilities

• Identify and assess potential risks across the P2P lending business, especially cash loan products.
• Conduct Risk and Control Self-Assessment (RCSA) to identify risks, assess control effectiveness, and highlight gaps.
• Monitor Key Risk Indicators (KRI), risk limits, portfolio performance, and emerging risks.
• Support implementation and monitoring of risk mitigation and corrective action plans.
• Analyze risk data and trends to identify issues and provide actionable insights.
• Prepare regular risk reports, dashboards, and risk assessments for management.
• Collaborate with Business, Credit, Collection, Operations, Product, IT, Compliance, and other teams on risk matters.
• Support the implementation and improvement of risk management policies, procedures, and controls.
• Monitor updates in OJK regulations and industry practices relevant to P2P lending/LPBBTI.

Skills

Risk assessment

RCSA

KRI

Data analysis

Cross-functional collaboration

Communication

Detail-oriented

Proactive

FRM/CRMA/CERM (plus)

Education

Bachelor's degree in Risk Management, Finance, Economics, Statistics, Business, or related fields

Job description

As part of the Risk Management team, you will be responsible for identifying, assessing, monitoring, and mitigating risks across the Company's P2P lending business, particularly cash loan products. You will support risk assessment, RCSA, risk monitoring, and data analysis to ensure risks are properly managed in accordance with internal policies and applicable OJK regulations.

Job Description

• Identify and assess potential risks across the Company's P2P lending business, particularly cash loan products.
• Conduct Risk and Control Self-Assessment (RCSA) to identify risks, assess control effectiveness, and highlight control gaps.
• Monitor Key Risk Indicators (KRI), risk limits, portfolio performance, and emerging risks.
• Support the implementation and monitoring of risk mitigation and corrective action plans.
• Analyze risk data and trends to identify potential issues and provide actionable insights.
• Prepare regular risk reports, dashboards, and risk assessments for management.
• Collaborate with Business, Credit, Collection, Operations, Product, IT, Compliance, and other teams on risk-related matters.
• Support the implementation and improvement of risk management policies, procedures, and controls.
• Monitor updates in OJK regulations and industry practices relevant to P2P lending/LPBBTI.

Job Qualifications

• Bachelor's degree in Risk Management, Finance, Economics, Statistics, Business, or related fields.
• Minimum 4 years of experience in Risk Management, preferably in fintech, P2P lending, banking, multifinance, or financial services.
• Good understanding of risk assessment, RCSA, internal controls, KRI, and risk mitigation.
• Good understanding of credit and operational risks in lending businesses.
• Familiarity with OJK regulations and P2P lending/LPBBTI.
• Strong analytical, problem-solving, and communication skills.
• Detail-oriented, proactive, and able to work effectively with cross-functional teams.
• Professional certification such as FRM, CRMA, CERM, or equivalent is a plus.

About the Company

PT Sahabat Mikro Fintek or proudly we call SAMIR, is a leading Peer-to-Peer financial technology platform, licensed and monitored by the Otoritas Jasa Keuangan.

Our Vision: To be a transformative force in the fintech landscape, driving economic growth and enhancing community welfare.

Our Mission: To break down barriers and make financial access a reality for everyone, ensuring that every individual can thrive in the world of finance and improve the financial literacy for our society.

By simplifying access to financial services, we’re not just impacting lives, but also we’re creating opportunities for growth and prosperity, especially for our "Samiritans".