Senior Risk & Fraud Associate

Fazz; Jakarta Timur; Hybrid; IDR 180,000,000 - 320,000,000; Full time

Benefits offered by this job

Competitive salary

Performance bonus

Private health insurance

Paid annual leave

Flexible working arrangement

Career growth opportunities

Laptop/work equipment provided

Team bonding events

Dynamic work environment

Job summary

A leading fintech company in Jakarta Timur is seeking an experienced Risk Analyst to join their team. You will be responsible for analyzing loan applications, developing risk scoring models, and preparing insightful risk reports. The ideal candidate has a bachelor's degree in a relevant field and at least 2 years of experience in credit analysis or risk management. This role offers competitive salary, performance bonuses, and a hybrid work arrangement in a dynamic and collaborative environment.

Qualifications

• 2+ years of experience in risk management or credit analysis.
• Ability to interpret complex financial data.
• Proven integrity and accountability.
• Proficiency in risk modeling, Microsoft Excel, and data analysis tools such as SQL, Python, R, or BI platforms.
• High attention to detail, with strong integrity and a sense of accountability.
• Proactive, adaptable, and able to thrive in a fast-paced environment.

Responsibilities

• Analyze loan applications and creditworthiness.
• Develop risk scoring models for customer assessment.
• Prepare risk dashboards and reports.
• 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.

Skills

Analytical skills

Quantitative skills

Attention to detail

Proficiency in risk modeling

Data analysis ability

SQL

Python

R

BI tools

Education

Bachelor’s degree in Finance, Economics, Statistics, Accounting, Mathematics, Business

Tools

Microsoft Excel

SQL

Python

R

BI platforms

Job description

• 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.

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.

Job requirements

What We Are Looking For:

• Bachelor’s degree in Finance, Economics, Statistics, Accounting, Mathematics, Business, or a related field.
• Minimum of 2 years of experience in risk management, credit analysis, or related roles within a bank, fintech, or lending institution.
• Strong analytical and quantitative skills with the ability to interpret complex financial and statistical data.
• Proficiency in risk modeling, Microsoft Excel, and data analysis tools such as SQL, Python, R, or BI platforms.
• High attention to detail, with strong integrity and a sense of accountability.
• Proactive, adaptable, and able to thrive in a fast-paced environment.
• Competitive salary & performance bonus
• Private health insurance
• Paid annual leave & sick leave
• Hybrid / flexible working arrangement
• Career growth opportunities in a fast-growing fintech company
• Laptop / work equipment provided
• Team bonding & company events
• Dynamic and collaborative work environment