Senior Credit Risk Analyst - Flexible Portfolio Analytics

Funding Societies | Modalku Group; Pulau Untung Jawa; On-site; IDR 600,000,000 - 900,000,000; Full time

Benefits offered by this job

Flexible vacations

Flexible working

Medical benefits

Mental health & wellness

Tech support

Job summary

Funding Societies | Modalku is seeking a Credit Risk Analytics lead in Jakarta to own portfolio analytics and drive actionable risk insights. You will evaluate vintage performance, borrower and industry concentration, and ECL-related metrics, influencing senior stakeholders.

The role requires 6–8 years in credit risk analytics, strong SQL/Python skills, Excel mastery, and the ability to navigate a fast-paced ASEAN environment. A Bachelor's degree or higher is required.

Qualifications

• Bachelor's degree or higher in Statistics, Finance, Economics, Engineering or Analytics.
• 6-8 years of experience in credit risk analytics.
• Familiar with ASEAN regulatory/data landscape.
• Strong numerical and analytical skills.
• Advanced MS Excel with pivot tables and cohort analyses.
• Strong SQL and data handling; Python is a plus.
• Comfort using AI-assisted tools for analysis and reporting.
• Strong communication and interpersonal skills.
• Able to thrive in a fast-paced, evolving environment.

Responsibilities

• Analyze NPL and delinquency trends to monitor credit quality.
• Track recovery and write-off performance; compare legacy vs current book.
• Assess portfolio concentration by borrower, industry, product and country.
• Explain drivers of month-on-month portfolio movement and provide recommendations.
• Prepare monthly/quarterly credit risk packs and dashboards.
• Collaborate with data science for scorecards or risk models; coordinate with country teams.

Skills

Numerical & analytical skills

Excel expertise

SQL

Python

AI-assisted tools

Communication skills

Adaptability to ambiguity

Education

Bachelor's or above in Statistics/Finance/Economics/Engineering/Analytics

Tools

SQL

Python

Job description

Funding Societies | Modalku is seeking a Credit Risk Analytics lead in Jakarta to own portfolio analytics and drive actionable risk insights. You will evaluate vintage performance, borrower and industry concentration, and ECL-related metrics, influencing senior stakeholders.

The role requires 6–8 years in credit risk analytics, strong SQL/Python skills, Excel mastery, and the ability to navigate a fast-paced ASEAN environment. A Bachelor's degree or higher is required.