Senior Risk & Fraud Associate

FAZZ, Inc.; Indonesia; Hybrid; IDR 180,000,000 - 280,000,000; Full time

Job summary

FAZZ, Inc. is seeking a dedicated Credit Risk Analyst in Indonesia to assess creditworthiness by analyzing loan applications, borrower profiles, and financial statements. You will develop risk scoring models and perform scenario analyses to estimate potential losses.

You will monitor portfolio performance, prepare risk dashboards, and identify early warning indicators to enable preventive actions. The role also involves supporting risk policy design and ensuring regulatory adherence in Indonesia.

Qualifications

• Credit risk assessment skills required: analyze loan applications, borrower profiles, and financial statements to assess creditworthiness.
• Experience in developing and maintaining risk scoring models and evaluation criteria for customer assessment.
• Ability to conduct scenario and sensitivity analyses to estimate potential credit losses.

Responsibilities

• Analyze loan applications, borrower profiles, and financial statements to assess creditworthiness.
• Develop and maintain risk scoring models and evaluation criteria for customer assessment.
• Conduct scenario and sensitivity analyses to estimate potential credit losses.
• Monitor portfolio performance, including delinquency, default, and recovery rates.
• Prepare risk dashboards and periodic reports, providing actionable insights to management.
• Identify early warning indicators and recommend preventive or corrective measures.
• Support the design and implementation of credit risk policies, procedures, and risk limits.
• Ensure adherence to internal risk frameworks and external regulatory requirements (e.g., OJK/POJK in Indonesia).
• Collaborate with internal audit and compliance teams to address findings and strengthen controls.

Job description

What You Will Do:

Credit Risk Assessment

• Analyze loan applications, borrower profiles, and financial statements to assess creditworthiness.
• Develop and maintain risk scoring models and evaluation criteria for customer assessment.
• Conduct scenario and sensitivity analyses to estimate potential credit losses.

Portfolio Monitoring & Reporting

• Monitor portfolio performance, including delinquency, default, and recovery rates.
• Prepare risk dashboards and periodic reports, providing actionable insights to management.
• Identify early warning indicators and recommend preventive or corrective measures.

Policy & Compliance

• Support the design and implementation of credit risk policies, procedures, and risk limits.
• Ensure adherence to internal risk frameworks and external regulatory requirements (e.g., OJK/POJK in Indonesia).
• Collaborate with internal audit and compliance teams to address findings and strengthen controls.