Senior Portfolio Analyst

Kredivo Group; Jakarta Timur; On-site; IDR 15,000,000 - 20,000,000; Full time

Job summary

A leading financial services company in Jakarta Timur is seeking a Senior Executive for its Risk & Analytics team. The ideal candidate will have 2-3 years of experience in risk analysis and strong skills in SQL and Excel. Responsibilities include monitoring key risk indicators, creating reports, and assessing portfolio actions to mitigate risk. This role provides a dynamic environment that fosters independent work and a fast-paced career growth. Excellent command of English and a bachelor's degree with a minimum GPA of 3.0 are required.

Qualifications

• Minimum 2-3 years’ experience as a Risk Analyst, MIS analyst, or data analyst.
• Strong working knowledge of SQL and Excel is a must.
• English conversational proficiency is required.

Responsibilities

• Understand, document and execute the existing loan authorization process.
• Assess the impact of all portfolio actions and suggest changes to risk criteria.
• Monitor the overall portfolio with respect to key risk indicators.
• Create ad-hoc reports to aid management on risk decisions.
• Ensure best practices for reporting and analytics are followed.

Skills

SQL

Excel

Analytical skills

Attention to detail

Python (basic)

Education

Bachelor's degree (GPA 3.0+)

Job description

At Kredivo we are building the future of financial services that are fast, cheap and widely accessible, wrapped up in a beautiful UI/UX. As we are growing bigger, we are looking for a young and passionate individual with a data‑oriented decision mindset to be an integral part of the Risk & Analytics Team. We are looking for a Senior Executive for our Portfolio Risk & Analytics team. Our team within Kredivo is responsible for setting benchmarks of risk appetite, desired minimum profitability, and identifying portfolio segments that need pruning, no action, or further growth. This opportunity will ensure a fast‑paced and highly rewarding career.

About The Job

This is an Individual Contributor Role and you will leverage the data to identify key credit risk indicators and potential risk factors within the loan authorization process and provide actionable insight to the middle management team to mitigate the potential risk that may arise. The day‐to‐day tasks can include the following (but are not limited to):

• Understand, document and execute the existing loan authorization process
• Assess the impact of all portfolio actions and suggest changes to loan disbursal risk criteria
• Monitor the overall portfolio of Kredivo products with respect to key risk indicators such as early warnings on repayment behaviour, flow rates, 90+ DPD losses, revenue and loss coverage, profitability, etc.
• Create ad‑hoc reports and work on analysis to aid management on risk decisions
• Work on ensuring the best practices for reporting and analytics are institutionalized in the team
• Timely review of key risk indicators and identify potential risk factors if any
• Set up early warning triggers for different segments of the portfolio

About You

• Minimum 2-3 years’ experience as a Risk Analyst, MIS analyst, or data analyst
• Bachelor’s degree with a GPA minimum of 3.0 (out of 4.0)
• English conversational proficiency is a must
• Strong working knowledge of SQL and Excel is a must
• Strong analytical skills, high comfort with numbers, and the ability to pay attention to details as demonstrated from previous work experience or projects
• Comfortable working independently in a dynamic and fast‑paced environment
• Basic programming skills in Python are preferred but not mandatory