Senior Credit Risk Analyst — Portfolio Analytics Lead

Funding Societies | Modalku Group; Jakarta Pusat; Presencial; IDR 420.000.000 - 720.000.000; Jornada completa

Ventajas ofrecidas por este puesto de trabajo

Time off

Flexible work

Medical benefits

Wellness programs

Laptop provided

Descripción de la vacante

Funding Societies | Modalku is seeking a senior Credit Risk Analytics professional to own portfolio performance and risk-readouts across ASEAN markets. You will analyze NPL trends, delinquencies, and concentration, while guiding provisioning and monthly risk packs for leadership.

You will partner with country teams, data science, and collections to ensure accurate data, insightful scorecards, and actionable recommendations in a fast-paced environment.

Formación

• Bachelor's degree or above in Statistics/Finance/Economics/Engineering/Analytics.
• 6-8 years of experience in credit risk analytics.
• Familiar with local regulations and data landscape in the ASEAN region.
• Strong numerical and analytical skills.
• Advanced working knowledge of MS Excel, including pivot tables and vintage analyses.
• Strong knowledge of SQL and ability to work with large amounts of data; Python is an advantage.
• Comfortable using AI-assisted tools to support analysis, reporting, and productivity.
• Strong communication and interpersonal skills.
• Comfortable working in a fast-paced, evolving environment, navigating ambiguity and shifting priorities.

Responsabilidades

• NPL and delinquency trend analysis to track credit quality.
• Recovery and write-off performance tracking, including legacy vs. current book splits.
• Portfolio concentration analysis by borrower, industry, product, and country exposures.
• ECL/provisioning coverage analysis and explaining what's driving month-on-month movement.
• Monthly monitoring of key portfolio risk metrics against Risk Appetite Statement thresholds, including root-cause analysis and recommendations.
• Applying trend/statistical checks to flag unusual movements early (vs. normal noise).
• Maintaining data accuracy and reconciliation across source systems and country teams.
• Explaining the “why” behind portfolio movements, not just reporting the numbers.

Conocimientos

NPL analysis

Delinquency analysis

Portfolio concentration

ECL provisioning

Risk metrics monitoring

Data reconciliation

Stakeholder communication

SQL

Python

Excel

Educación

Bachelor's degree in Statistics/Finance/Economics/Engineering/Analytics

Herramientas

SQL

Python

Excel

Descripción del empleo

Funding Societies | Modalku is seeking a senior Credit Risk Analytics professional to own portfolio performance and risk-readouts across ASEAN markets. You will analyze NPL trends, delinquencies, and concentration, while guiding provisioning and monthly risk packs for leadership.

You will partner with country teams, data science, and collections to ensure accurate data, insightful scorecards, and actionable recommendations in a fast-paced environment.