Senior Credit Risk Underwriter

Kredivo Group; Jakarta Pusat; On-site; IDR 180,000,000 - 300,000,000; Full time

Job summary

Kredivo Group in Jakarta is looking for a Senior Analyst - Risk Underwriting to help shape credit limit, approval and risk strategy for BNPL products. The role reports to the Underwriting Manager and focuses on optimising limits and thresholds while keeping risk within appetite.

You will track key risk metrics (FPD, DPD, vintages), design underwriting experiments, and support risk-based pricing and benchmarking against the market using bureau data.

Qualifications

• 3-5 years in credit risk, underwriting or risk analytics, ideally in consumer lending, BNPL, paylater or fintech.
• Hands-on experience with credit limits, cut-offs, credit policy or underwriting rules, including running experiments.
• Working knowledge of risk metrics (FPD, DPD, vintage) and risk-based pricing
• Able to turn analysis into clear recommendations and own work end to end

Responsibilities

• To optimise credit limits and approval thresholds as portfolio behaviour changes
• To track portfolio risk metrics such as FPDs, DPDs and vintages, and act early on deterioration
• To design, run and monitor underwriting and limit experiments (A/B, champion-challenger) and program revamps
• To support risk-based pricing decisions for our products
• To define and track risk appetite
• To work with Product, Data Science and other risk teams

Skills

Credit risk

Underwriting

Experimentation

Data-driven decision making

Tools

SQL

Python

Credit bureau data

Job description

Kredivo Group in Jakarta is looking for a Senior Analyst - Risk Underwriting to help shape credit limit, approval and risk strategy for BNPL products. The role reports to the Underwriting Manager and focuses on optimising limits and thresholds while keeping risk within appetite.

You will track key risk metrics (FPD, DPD, vintages), design underwriting experiments, and support risk-based pricing and benchmarking against the market using bureau data.