Senior Underwriting Lead: Credit Strategy & Analytics

Amartha; Jakarta Selatan; On-site; IDR 669,600,000 - 1,116,000,000; Full time

Job summary

Amartha is seeking an experienced Underwriting Senior Lead to shape and execute credit underwriting strategy, ensuring balanced portfolio growth, risk control, and sustainable performance. You will lead analytics, establish standards, and collaborate across risk, product, data, and operations.

Ideal candidates bring 10+ years in credit underwriting or risk analytics, a strong background in underwriting frameworks, scorecards, and regulatory compliance, and proven leadership in fintech lending.

Qualifications

• Bachelor’s degree in Finance, Economics, Statistics, Mathematics, Business or related field (Master’s degree is a plus).
• 10+ years of experience in credit underwriting, risk analytics, or credit policy roles, with leadership exposure preferred.
• Strong analytical skills with the ability to interpret credit data, portfolio performance metrics, and risk trends to support decision-making.

Responsibilities

• Establish underwriting standards, decision frameworks, and exception governance to ensure consistent, compliant, and risk-aligned credit decision processes.
• Lead analytics and decision-making related to credit underwriting for both new and existing customers, using data insights to optimize approval quality and portfolio health.
• Monitor acquisition portfolio performance (e.g., approval rates, early delinquency trends) and continuously refine underwriting criteria to improve risk-return balance.
• Develop and maintain underwriting policies, scorecards, and risk models aligned with business growth targets and regulatory expectations.
• Collaborate with cross-functional teams (risk, product, data, and operations) to enhance underwriting tools, automation, and customer experience.
• Provide strategic insights and reporting to senior management on credit performance, emerging risks, and underwriting effectiveness.
• Mentor and lead the underwriting team to strengthen analytical capability, decision consistency, and governance discipline.

Skills

Analytical skills

Stakeholder management

Leadership

Communication

Education

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

Job description

Amartha is seeking an experienced Underwriting Senior Lead to shape and execute credit underwriting strategy, ensuring balanced portfolio growth, risk control, and sustainable performance. You will lead analytics, establish standards, and collaborate across risk, product, data, and operations.

Ideal candidates bring 10+ years in credit underwriting or risk analytics, a strong background in underwriting frameworks, scorecards, and regulatory compliance, and proven leadership in fintech lending.