Senior Underwriting Analyst

Kredivo; Jakarta Pusat; On-site; IDR 200,880,000 - 357,120,000; Full time

Job summary

Kredivo is seeking a Senior Analyst - Risk Underwriting in our Jakarta Office. You will help shape credit limits, approvals and risk strategy for our consumer lending and paylater products, reporting to the Underwriting Manager and optimizing risk within appetite.

You will track key risk metrics, design underwriting experiments, support risk-based pricing, and benchmark performance using credit bureau data.

Qualifications

• 3–5 years of experience in credit risk, underwriting or risk analytics.
• Hands-on experience with credit limits, cut-offs, credit policy or underwriting rules.
• Working knowledge of risk metrics (FPD, DPD, vintage) and risk-based pricing.

Responsibilities

• Optimise credit limits and approval thresholds as portfolio behaviour changes.
• Track portfolio risk metrics such as FPDs, DPDs and vintages, and act early on deterioration.
• Design, run and monitor underwriting and limit experiments (A/B, champion-challenger) and program revamps.
• Support risk-based pricing decisions for our products.
• Define and track risk appetite.
• Collaborate with Product, Data Science and other risk teams.

Skills

SQL

Python

Credit risk concepts

Job description

Kredivo is hiring a Senior Analyst - Risk Underwriting in Jakarta Office who help shape credit limit, approval and risk strategy for our consumer lending and paylater (BNPL) products. This position will report to the Underwriting Manager and will be accountable for optimising credit limits and approval thresholds while keeping portfolio risk within appetite.

In this role you will also be responsible for tracking key risk metrics such as FPD and DPD, and for designing and monitoring underwriting experiments, and supporting risk-based pricing and benchmarking our performance against the market using credit bureau data.

About the job:

• 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

About you:

• 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
• Strong SQL; Python is a plus
• Experience with credit bureau data is a plus
• Able to turn analysis into clear recommendations and own work end to end