Senior Risk Analytics: Portfolio Insights & Forecasts

Home Credit Indonesia; Jakarta Selatan; On-site; IDR 180,000,000 - 360,000,000; Full time

Job summary

Home Credit Indonesia seeks a Portfolio Senior Analyst to conduct data analytics across its product portfolio, delivering periodic and ad-hoc reports while representing Risk in cross-functional projects.

You will monitor delinquency trends, perform segmentation and cohort analysis, forecast performance, support provisioning and IFRS 9 analysis, validate data, and develop dashboards with SQL-driven reporting to drive strategic decisions.

Qualifications

• Bachelor's degree in statistics, mathematics, actuarial science, CS, IS, economics, finance, engineering or related field.
• Minimum 4–7 years in risk analytics, portfolio management, credit risk or related areas.
• Experience in banking, consumer finance, fintech or lending preferred.
• Solid SQL and ability to interpret complex data for actionable insights.
• Proactive, self-driven and able to thrive in a fast-paced environment.

Responsibilities

• Monitor portfolio performance, delinquency trends and risk indicators.
• Conduct portfolio segmentation, vintage and cohort analysis.
• Prepare portfolio forecasts, budgets and scenario analyses.
• Support provisioning and IFRS 9 analysis.
• Validate data and assess portfolio impacts on ECL results.
• Support CRC, PQR, MBR and executive reporting.
• Track and report key portfolio performance metrics.
• Develop portfolio dashboards and analytical reports.
• Perform SQL-based data analysis and reporting automation.
• Support new product, system and process improvement projects.

Skills

SQL

Analytical skills

Risk analytics

Portfolio management

Dashboard reporting

Education

Bachelor's degree in Statistics/Math/Actuarial/CS/IS/Economics/Finance/Engineering

Job description

Home Credit Indonesia seeks a Portfolio Senior Analyst to conduct data analytics across its product portfolio, delivering periodic and ad-hoc reports while representing Risk in cross-functional projects.

You will monitor delinquency trends, perform segmentation and cohort analysis, forecast performance, support provisioning and IFRS 9 analysis, validate data, and develop dashboards with SQL-driven reporting to drive strategic decisions.