Senior Credit Risk Analytics & Underwriting Strategist

Krom; Jakarta Pusat; On-site; IDR 600,000,000 - 1,200,000,000; Full time

Job summary

Krom Bank is seeking a Senior Underwriting Risk Analytics Executive to lead risk assessment across the lending portfolio. You will collaborate with Product, Data Science, Business, Credit, and Finance to ensure sound underwriting frameworks and sustainable portfolio performance.

You will develop and refine RAC, build credit scoring models (PD, LGD, EAD), monitor loss rates, set early warning thresholds, advise on loan pricing and terms, and ensure compliance with regulations while supporting

Qualifications

• Bachelor’s degree in Economics, Statistics, Mathematics, Finance or related quantitative field.
• Minimum 2 years of relevant experience in credit risk analysis, underwriting, portfolio risk or risk management.
• Strong ability to identify, assess, and quantify credit risk using quantitative analysis and statistical modelling.
• Hands-on experience with data analytics tools such as SQL, Python, R, or other statistical software.
• Good understanding of credit risk indicators including PD, EAD, LGD, loss rates and portfolio risk metrics.
• Solid understanding of credit underwriting processes in digital banking or data-driven lending environments.
• Experience with machine learning, credit scoring, and alternative data for credit assessment.
• Strong analytical and problem-solving skills with ability to translate data into actionable business recommendations.
• Good understanding of regulatory requirements and their impact on credit risk management and underwriting policies.
• Strong communication and stakeholder management across Risk, Business, Credit, Product, Data Science, and Finance.

Responsibilities

• Contribute to development and enhancement of underwriting policies and RAC across unsecured lending products.
• Collaborate with Product and Data Science teams to develop credit scoring models and refine models per risk appetite.
• Evaluate risk opinions on the risk-return profile of lending partnerships proposed by the Business team.
• Partner with Business and Credit teams to ensure products and partnerships align with risk appetite and limits.
• Provide strategic guidance on loan pricing, structure, and terms to optimize risk-adjusted returns.
• Work with credit reviewers to establish and refine loss-rate monitoring systems and early warning thresholds.
• Develop, validate, and enhance credit risk models (PD, LGD, EAD) to improve risk assessment and provisioning.
• Leverage data analytics and quantitative methods to identify and mitigate credit risk exposures.
• Monitor regulatory developments and assess implications for risk management and underwriting practices.
• Support internal and regulatory audits/inspections with comprehensive risk documentation.

Skills

SQL

Python

R

Credit risk analysis

Machine learning

Data analytics

Communication

Regulatory knowledge

Education

Bachelor’s degree in Economics/Statistics/Math/Finance

Tools

SQL

Python

R

Job description

Krom Bank is seeking a Senior Underwriting Risk Analytics Executive to lead risk assessment across the lending portfolio. You will collaborate with Product, Data Science, Business, Credit, and Finance to ensure sound underwriting frameworks and sustainable portfolio performance.

You will develop and refine RAC, build credit scoring models (PD, LGD, EAD), monitor loss rates, set early warning thresholds, advise on loan pricing and terms, and ensure compliance with regulations while supporting