Risk Strategy Specialist

BYD; Subang; On-site; IDR 200,880,000 - 312,480,000; Full time

Job summary

BYD is seeking a Risk Strategy professional to lead enterprise-wide risk management development and policy design in the automotive finance domain. The role requires analyzing risk data, creating dashboards, and coordinating with product and technology teams to optimize risk controls.

Ideal candidates have 2+ years in risk strategy or underwriting, strong English, and familiarity with credit bureau data. Mandarin is a plus; on-site operations in Indonesia.

Qualifications

• 2+ years in risk strategy or credit risk management.
• Experience in underwriting or related roles within financial or automotive finance.
• Advanced English; Mandarin is a plus.

Responsibilities

• Lead the improvement and development of the enterprise-wide risk management system and design risk control policies and procedures.
• Monitor risk policies for effectiveness and produce risk warnings and controls for high-risk customers; prepare analysis reports.

Skills

Risk analysis

Credit risk management

Underwriting

Data analysis

English proficiency

Mandarin (nice to have)

Education

Bachelor's degree or higher in Economics/Finance/Statistics or related

Tools

Credit bureau data (CIC/SLIK)

Job description

Job Responsibilities

• Lead the improvement and development of the enterprise-wide risk management system; analyze and design risk control strategies, policies, and operational procedures.
• Monitor and track risk policies to ensure their effectiveness; conduct regular risk warnings and strategy-based controls for high-risk customers; analyze abnormal risk cases and deliver comprehensive risk analysis reports.
• Perform in-depth analysis of risk data, monitor and issue early warnings on risk status through dashboards, reports, and other analytical tools.
• Lead the planning and optimization of risk control systems; collaborate closely with product and technology teams to continuously enhance and refine system functionalities.
• Monitor the execution of risk strategies and rules; conduct regular strategy reviews and perform in-depth analysis on newly introduced or adjusted approval policies.
• Drive the adjustment and optimization of automated approval strategies to improve efficiency and accuracy.
• Prepare and analyze internal reports, and compile data, reports, and dashboards to support decision-making.

Requirements

• Bachelor's degree or higher in a relevant field.
• Major in Economics, Finance, Statistics, or related.
• Familiar with local credit reporting regulations and data from the three major credit bureaus (e.g., CIC, SLIK, etc.); solid understanding of personal lending and automotive finance operations.
• Minimum 2 years of experience in risk strategy, credit risk management, underwriting, or related roles within the financial or automotive finance industry.
• Language Required: Advanced English. Mandarin is a plus.