Senior Credit Analyst – Invoice & PO Financing

Moladin; Jakarta Selatan; On-site; IDR 133,920,000 - 223,200,000; Full time

Job summary

Moladin, Indonesia’s leading mobility fintech platform, seeks a Credit Risk Analyst to assess SME financing applications (invoice and PO-based). You will analyze financial documents, verify supplier and buyer information, and ensure risk controls across processes.

The role interacts with Risk, Credit Ops, and product teams to optimize disbursement and monitoring. Ideal candidates have 3+ years in underwriting invoice/PO financing within fintech or banks, with strong analytical and communication

Qualifications

• 3+ years in P2P fintech, multifinance or banks with invoice/PO financing underwriting.
• Understanding of credit risk frameworks and underwriting principles.
• Experience engaging with cross-functional stakeholders and documenting analyses.

Responsibilities

• Perform credit risk analyses for SME borrowers applying for invoice or PO-based financing.
• Review financial statements, bank statements, transaction histories, and credit bureau data.
• Validate purchase orders, invoices, delivery receipts, and supplier contracts for authenticity and eligibility.

Skills

Credit risk analysis

Financial statement analysis

Communication skills

Regulatory understanding

Attention to detail

Education

Bachelor's in Finance/Accounting

Tools

SLIK/Pefindo data

PO/Invoice financing knowledge

Job description

Moladin, Indonesia’s leading mobility fintech platform, seeks a Credit Risk Analyst to assess SME financing applications (invoice and PO-based). You will analyze financial documents, verify supplier and buyer information, and ensure risk controls across processes.

The role interacts with Risk, Credit Ops, and product teams to optimize disbursement and monitoring. Ideal candidates have 3+ years in underwriting invoice/PO financing within fintech or banks, with strong analytical and communication