VP of Underwriting

Moladin; Daerah Khusus Ibukota Jakarta; On-site; USD 60,000 - 100,000; Full time

Job summary

An established industry player is seeking a VP of Underwriting to spearhead credit strategies for car financing in Indonesia. This pivotal role involves shaping credit policies and leading a dynamic team to ensure robust risk frameworks and operational excellence. You'll collaborate across functions to enhance decision-making and drive continuous improvement through innovation. If you have a strong background in credit underwriting and a passion for leadership in a fast-paced environment, this opportunity is perfect for you.

Qualifications

• 10+ years of credit underwriting experience in car financing.
• Strong leadership and analytical skills required.

Responsibilities

• Define and lead the underwriting strategy aligned with business objectives.
• Oversee credit policy development and governance.

Skills

Credit Underwriting

Risk Management

Leadership

Analytical Skills

Communication Skills

Job description

We are hiring a seasoned and strategic VP of Underwriting to lead the overall credit underwriting function for our car financing business in Indonesia. This role will drive credit policy, oversee risk frameworks, and provide strategic direction for both underwriting and post-onboarding operations.

Responsibilities

1. Define and lead the underwriting strategy, ensuring alignment with risk appetite and business objectives.
2. Own credit policy development and governance, ensuring consistent application across all dealer financing decisions.
3. Partner with senior leadership to balance growth and credit quality.
4. Lead and mentor the Head of Underwriting Operations and broader credit operations team.
5. Collaborate cross-functionally with Risk, Operations, Product & Tech, and Business to improve decision-making, tools, and processes.
6. Act as the senior escalation point for complex or high-value credit cases.
7. Ensure robust controls and data integrity across all underwriting processes.
8. Oversee post-onboarding quality checks, including the resurvey process, to ensure portfolio health.
9. Drive continuous improvement through automation, analytics, and process innovation.
10. Monitor key underwriting and portfolio performance metrics, identifying trends, risks, and opportunities.
11. Use insights to refine credit models, policies, and operational practices.

Requirements

• Minimum 10+ years of solid credit underwriting experience in the car financing or financial services industry, with experience managing a team.
• Strong understanding of operational workflows, risk frameworks, and compliance.
• Experience overseeing post-onboarding reviews, including resurvey and dealer health tracking.
• Excellent leadership, analytical, and communication skills.
• Ability to operate in a fast-paced, cross-functional startup environment.
• Fluent in English and able to work closely with local Indonesian and Singapore teams.

About Moladin

Moladin is Indonesia’s leading mobility fintech platform with end-to-end financing solutions for all players in the used car and EV ecosystem. Moladin empowers its rapidly growing network of more than 26,000 active used car agents and dealer MSMEs, and provides used car consumers with better financing access through digitized loan underwriting. This is supported by its strong used car capabilities with branches and warehouses covering more than 100 cities, industry-leading AI / IoT, and partnerships with all top auto financing companies across Indonesia, including through its OJK-regulated multi-finance company PT Moladin Finance Indonesia. Moladin’s vision is to be a positive driving force in the physical and social mobility of all the people it touches (“Mobility for all”).

For further information about Moladin, please visit https://moladin.com