Unsecured Loan Department Head - Credit Control Services, Operations, SeaBank

SeaBank Indonesia; Jakarta Pusat; On-site; IDR 300,000,000 - 520,000,000; Full time

Benefits offered by this job

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Job summary

SeaBank Indonesia mencari Analis Kredit Senior di Jakarta Pusat untuk memeriksa dan memverifikasi laporan inspeksi sebelum dan sesudah pencairan kredit. Peran ini juga mencakup validasi hasil pemeriksaan tim pinjaman tidak terjamin serta rekomendasi penyelesaian isu dari sudut operasional dan administrasi kredit.

Kandidat diharapkan memiliki minimal 5 tahun pengalaman di industri perbankan, kemampuan BI, kepatuhan OJK, memahami akuntansi, hukum, dan proses litigasi.

Qualifications

• Gelar Sarjana di bidang apa pun, sebaiknya Ekonomi, Manajemen, Administrasi dan Akuntansi.
• Minimal 5 tahun pengalaman relevan di industri perbankan, terutama kredit/ unsecured loan.
• Menguasai BI, regulasi OJK dan hukum yang berlaku terkait aktivitas perbankan.
• Memahami akuntansi dan isu hukum.
• Memahami proses litigasi.

Responsibilities

• Tinjau dan verifikasi laporan inspeksi sebelum dan sesudah pencairan kredit.
• Validasi keakuratan hasil pemeriksaan tim pinjaman tidak terjamin, termasuk status nasabah dan kredit.
• Menilai ketepatan waktu dan akurasi penyelesaian isu keluhan debitor yang escalated by L2.
• Memberi rekomendasi penyelesaian isu dari sudut operasional dan administrasi kredit.
• Berkolaborasi dengan pemangku kepentingan terkait untuk peningkatan proses pinjaman digital.
• Memonitor aktivitas inspeksi terkait penyaluran pinjaman dan pembiayaan bersama sesuai TGU yang disetujui.
• Memberi rekomendasi berbasis temuan inspeksi.

Skills

BI

Regulatory knowledge

Accounting & legal understanding

Litigation process understanding

Education

Bachelor's degree in any major

Job description

Deskripsi Pekerjaan

• Review and verify inspection reports prior to and after credit disbursement.
• Validate the accuracy and reliability of examination results conducted by the unsecured loan team, covering customer and credit status.
• Review the timeliness and accuracy of issue resolution for debtor complaints escalated by Level 2 (L2).
• Provide recommendations for issue resolution from an operational and credit administration perspective.
• Coordinate with relevant stakeholders on developments or enhancements to support digital loan processes and systems.
• Monitor all inspection activities related to channeling loans and joint financing in accordance with the approved TGU.
• Provide recommendations based on issues or findings identified during inspection results.

Persyaratan

• Bachelor’s degree in any major, preferably Economics, Management, Administration and Accounting.
• Min. 5 years relevant experience in banking industry, especially in credit / unsecured loan.
• Mastering BI, OJK regulations and applicable laws related to bank activities.
• Understand accounting and legal issues.
• Understand the litigation process.