Underwriting Senior Lead

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 a technology company focused on creating shared prosperity by developing digital financial solutions for the grassroots economy. Founded in 2010 as a microfinance institution, Amartha connects rural, women-led micro-enterprises with affordable capital. Amartha is expanding as a tech company, building a microfinance ecosystem that connects to the growing digital economy through capital, investment, and payment services. By boosting the competitiveness of micro and small entrepreneurs, Amartha empowers women-led MSMEs, creates jobs, and fosters inclusive economic growth.

About The Team:

The Underwriting Senior Lead is responsible for shaping and executing credit underwriting strategy to ensure balanced portfolio growth, risk control, and sustainable business performance. This role oversees underwriting standards, analytics-driven decision frameworks, and portfolio monitoring while collaborating closely with risk, product, and business teams to continuously improve credit quality and customer acquisition outcomes.

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.

• Bachelor’s degree in Finance, Economics, Statistics, Mathematics, Business, or a 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.
• Proven experience in the financial services industry (banking, fintech, lending, or financial institutions) is strongly preferred.
• Strong analytical skills with the ability to interpret credit data, portfolio performance metrics, and risk trends to support decision-making.
• Experience developing underwriting frameworks, credit policies, scorecards, or decision strategies.
• Solid understanding of credit risk management, portfolio monitoring, and regulatory compliance practices.
• Strong stakeholder management, communication, and leadership skills with the ability to collaborate cross-functionally.

At Amartha, we are dedicated to creating a workplace that celebrates diversity, ensures equity, and fosters inclusion. We believe that diverse perspectives—shaped by factors such as gender, age, race, ethnicity, education, culture, and life experiences—drive innovation and growth.

We actively welcome individuals from all backgrounds to join us in building an environment where everyone feels respected, valued, and empowered. Our commitment is to provide equal opportunities and foster a sense of belonging that enables our employees to thrive and make meaningful contributions.