Risk Unsecured Acquisition Analyst

Permata Bank; Tangerang; On-site; IDR 167,400,000 - 279,000,000; Full time

Job summary

Permata Bank in Tangerang seeks a quantitative analyst to support unsecured lending policy and risk management. You will analyze lending products, propose credit policy updates, and monitor the portfolio to align with business goals.

The candidate should hold a quantitative degree and have 3+ years in consumer banking, with proficiency in Excel, SAS, Python, and Power BI, plus strong stakeholder communication.

Qualifications

• Bachelor's degree in a quantitative field
• Minimum 3 years in Consumer Banking, in particular unsecured lending
• Experience with credit risk management and project management
• Proficiency with Excel, SAS, Python and Power BI
• Excellent communication with stakeholders

Responsibilities

• Conduct analysis of unsecured lending products and recommend policy changes and business initiatives.
• Monitor and maintain the unsecured lending portfolio.
• Prepare and maintain credit policies ensuring compliance with regulations.
• Maintain systems required for credit policy processes and implement policy changes.
• Manage projects related to systems or initiatives on unsecured lending products impacting credit policies.
• Identify and support sustainable business initiatives with stakeholders.

Skills

Analytical thinking

Communication skills

Stakeholder collaboration

Attention to detail

Education

Bachelor's degree in Industrial Engineering, Finance, Mathematics, or Statistics

Tools

SAS

Python

Power BI

Excel

Job description

We are one of the top 10 biggest banks in terms of assets in Indonesia and listed in the Indonesia Stock Exchange. Permata Bank is a KBMI 3 Bank with a strong core capital of nearly 50 trillion rupiahs. We believe that our employees are our greatest asset, and we are deeply committed to creating an environment where they can Learn, Grow, and Make a Difference. This commitment is reflected in the recognition we’ve received-HR Excellence Award 2024 in the Learning Development and Knowledge Management categories. In addition, we achieve a net profit of over 2 trillion rupiahs in 2024, further solidifying our position as a leading financial institution.

Why Permata Bank?

Here at Permata Bank, you will Learn, Grow, and Make A Difference.

You will have the appetite and the ability to learn many things, challenged to grow beyond ways you can imagine, and see the incredible difference you would have made along the journey.

This is our platform for you. We cannot promise a smooth ride, but rest assured, it is going to be a meaningful journey!

• Learn : We always think innovatively to improve the way we work, making it easier, better and faster.
• Grow : We provide excellent service to customers and encourage excellent performance in our daily work.
• Make a difference : We understand each other and together build strong relationships with internal and external parties based on mutual respect.

Job Description:

• Conducting analysis to the unsecured lending products while giving recommendation to the credit policy changes and business initiatives.
• Monitoring and regularly maintaining the unsecured lending portfolio.
• Preparing and maintaining credit policies while ensuring compliance to the internal, external, and government regulations.
• Maintaining related systems required for credit policy process, including implementation of the said process on any policy changes.
• Managing project related to system and/or initiatives on unsecured lending products which will impact to the credit policies.
• Actively identify and supporting sustainable business initiatives along with all stakeholders.

Job Requirements:

• At least S1 degree in Industrial Engineering, Finance, Mathematics, or Statistics.
• At least 3 years of experience in Consumer Banking, in particular unsecured lending such as Credit Card, Personal Loan, and/or BNPL, Fresh Graduates are welcome to apply.
• Showcased expertise in both qualitative and quantitative data analysis
• Solid grasp of credit risk management and project management principles
• Proficiency in Microsoft Excel, data analysis and processing tools (SAS and Python) and Business Intelligence tools such as Power BI
• Stellar communication skills for effective collaboration with stakeholders

PT Bank Permata Tbk here by informs that the company does not impose any charges in the employee recruitment process.