Risk Policy Lead

PT Amartha Mikro Fintek; Jakarta Selatan; On-site; IDR 300.000.000 - 400.000.000; Full time

Job summary

A financial technology company in Jakarta Selatan is seeking a candidate to monitor lending portfolio performance and provide insights on risk analytics. The role requires a Bachelor's degree and over 5 years of expertise in credit risk analytics and portfolio management, particularly in fintech. Candidates should be proficient in data analytics tools like SQL and Python, and possess strong analytical skills. The position promotes collaboration and will involve preparing reports on risk and portfolio performance.

Qualifications

• 5+ years’ experience in credit risk analytics, portfolio management, risk management.
• Strong proficiency in data analytics tools like SQL, Python, and R.
• Expertise in managing lending portfolios in retail lending.

Responsibilities

• Monitor lending portfolio performance and track key metrics.
• Conduct portfolio segmentation and cohort analysis to identify trends.
• Provide insights and recommend adjustments to credit policy and risk limits.
• Work with credit risk and underwriting teams to align risk models.
• Prepare datasets for monitoring dashboards and assessments.
• Participate in developing lending risk policies.
• Prepare reports on credit risk and portfolio performance.

Skills

Data analytics tools (SQL, Python, R)

Credit risk analytics

Portfolio management

Analytical and problem-solving skills

Communication and collaboration skills

Education

Bachelor’s degree in IT, Finance, Economics, Engineering, or Business Administration

Tools

Advanced Excel

Job description

Amartha is a technology company focused on creating shared prosperity by developing digital financial solutions for the grassroots economy. Founded in 2010 as a microfinance institution, Amartha connects rural, women-led micro-enterprises with affordable capital. Amartha is expanding as a tech company, building a microfinance ecosystem that connects to the growing digital economy through capital, investment, and payment services. By boosting the competitiveness of micro and small entrepreneurs, Amartha empowers women-led MSMEs, creates jobs, and fosters inclusive economic growth.

About The Role

This role will be under our digital risk of management team. This role will be responsible to track the lending portfolio's performance, analyze trends and risks across segments, and provide insights to stakeholders on portfolio health. Suggest adjustments to credit policies and risk limits. Work with credit risk, underwriting, and data science teams to align risk models with business strategy and create monitoring dashboards. Help develop lending risk policies and prepare regular reports on credit risk and portfolio performance.

Responsibilities

• Monitor the performance of the lending portfolio, tracking key metrics.
• Conduct portfolio segmentation and cohort analysis to identify performance trends and potential risks across different segments and products.
• Provide actionable insights and recommendations to stakeholders on portfolio health, suggesting adjustment to credit policy and risk limits.
• Work closely with the credit risk and underwriting teams to align risk models with overall credit policy and business strategy.
• Work closely with the Data Science team in the preparation of dataset required to make monitoring dashboard and ad-hoc assessment.
• Participate in the creation of risk policies that govern the lending process and activities.
• Prepare regular reports on credit risk and portfolio performance for stakeholders.

Qualifications

• Bachelor’s degree in Information Technology, Finance, Economics, Engineering, Business Administration, or a related field are a plus.
• 5+ years’ experience in credit risk analytics, portfolio management, risk management, preferably within banking, multifinance or fintech.
• Strong proficiency in data analytics tools e.g SQL, Phython, R, and advance Excel.
• Expertise in portfolio management handling lending portfolio in retail lending. Both consumer and productive lending is a plus.
• Strong analytical and problem-solving skills, with the ability to interpret data and make informed decisions.
• Excellent communication and collaboration skills with the ability to work across teams and external partners.

At Amartha, we are dedicated to creating a workplace that celebrates diversity, ensures equity, and fosters inclusion. We believe that diverse perspectives—shaped by factors such as gender, age, race, ethnicity, education, culture, and life experiences—drive innovation and growth.

We actively welcome individuals from all backgrounds to join us in building an environment where everyone feels respected, valued, and empowered. Our commitment is to provide equal opportunities and foster a sense of belonging that enables our employees to thrive and make meaningful contributions.