587 Associate Risk jobs in Indonesia

Job ID:

Location: Jakarta, Indonesia

Area of interest: Commercial Banking

Job type: Permanent - Full Time

Work style: Hybrid Working

Opening date: 11-Sep-2025

Closing date: 11-Oct-2025

Job Advert Details

Some Careers Shine Brighter Than Others.
If you're looking for a role that will help you stand out at HSBC, take a look at how you can fulfil your potential.

HSBC Corporate and Institutional Banking is a markets-led, financing-focused business that provides investment and financial solutions. Through our international network, we connect emerging and mature markets, covering key growth areas. We partner with our corporate, government and institutional clients to help them achieve consistent, long-term performance. Our products and services include advisory, financing, prime services, research and analysis, securities services, trading and sales and transaction banking.

We are currently seeking an experienced professional to join this team for the role of
Associate Vice President Risk Analysis Mid Market Enterprise
to support International Mid-Market, Corporate and Institutional Banking.

Responsibilities:
The role holder is responsible includes the following, but not limited to:

• Improve credit quality and thereby reduce potential loss to the Bank through a focused and independent analysis of credit risk, and in-depth knowledge of business of customers and industry update.
• Achieve quicker credit application turn-around times, enabling the Bank to capitalize on potential business opportunities where the time window may be limited and hence leading to greater revenue generation. CAU will perform full credit analysis (customer/industry) and Relationship Managers ("RMs") will focus more on relationship and marketing.
• Support IMM's Relationship Managers ("RMs") by quickly responding to new business referrals, and by identifying customer/industry business opportunities, whilst maintaining a consistent conservative credit culture. IMM Segment may broadly define as multi-jurisdictional clients with group annual turnover up to USD400mn.
• Develop industry & sectoral specialization and through effective peer group analysis identify the trends of the business and bankable names for long-term relationship development

Qualifications
Requirements:

• Extensive credit and operating risk analysis in corporate banking fields.
• Possess strong credit risk skills and good knowledge of corporate banking, commercial lending, investments and / or trade products and ability to interpret meaningful information from financial accounts.
• Wide breadth of banking products knowledge, particularly credit related products and knowledge of credit application process preferably in corporate banking.
• In-depth understanding of the local market, vast industry-specific knowledge, including regulatory landscape
• Proven track record of managing healthy credit portfolios; execution of solid credit analysis to support business growth and new to bank business acquisition.
• Execution of stress-testing and medium-to-complex cash-flow projections
• Ability to maintain good quality of output under pressure condition and tight deadline, and ability to maintain a high level of intense concentration for a prolonged period.
• Proactive, well-developed interpersonal, influencing and presentation skills with highly motivated and prepared to accept challenges mindset.
• Effective communication skills
• Demonstrate high degree of integrity.

You'll achieve more at HSBC
HSBC is committed to building a culture where all employees are valued, respected and every opinion counts. We take pride in providing a workplace that fosters professional development, flexible working, and opportunities to grow within an inclusive and diverse environment. We want everyone to achieve their potential with equality regardless of gender, ethnicity, disability, religion, age, or any other trait protected by applicable law. If you need any support or have any access requirements, we encourage you to inform us through email at at the time of your application, so that we can support you through your recruitment journey.

COMPANY DESCRIPTION

ALTO Network is a leading payment infrastructure provider as well as the pioneer in payment solution by always bringing the most innovative and impactful technology to connect merchants or financial institutions with their customers to grow their businesses nationwide and beyond.

DESIGNATION : Risk Management Associate

RESPONSIBILITIES

• Ensure that every part of ALTO recognizes, understands and controls the risks in its business processes adequately to ensure the smooth delivery of ALTO services.
• Coordinate and facilitate the implementation of Risk Control Self Assessment (RCSA) activities across all divisions in ALTO at least once per year.
• Coordinate and facilitate the implementation of Business Impact Analysis (BIA) activities.
• Coordinate ALTO's business continuity training and readiness testing activities.
• Identify all possible risk in all unit and division in ALTO
• Facilitate risk mitigation planning where the final risk score is not yet acceptable.
• Monitoring the realization of the agreed risk mitigation plan.
• Facilitate business continuity planning by preparing BCP and DRP documents in accordance with ALTO's needs.
• Regularly review the business impact of incidents to ensure the appropriateness of ALTO's risk posture and continuity plan.
• Created an ALTO risk posture report covering all divisions and business processes.
• Created BCP and DRP for all Critical Business Functions and Critical Application.
• Direct the identification and mitigation of risks relevant to ALTO's key business processes.
• Determine a Business Continuity and Disaster Recovery testing schedule that meets ALTO's needs.

QUALIFICATIONS

• Preferable work experience in Information Technology, Risk Management, or Management System Consultant for 1-2 years
• Bachelor's degree preferably from Information Technology, Industrial Engineering, Electrical Engineering, or Management major.
• Preferably certified as internal auditor/implementer of management system standard (ISO or CISA), or certification related to risk management (e.g. CRISC).

Knowledge

• Risk Awareness
• IT Operation Process
• Switching Operation Process
• General IT Knowledge
• Security Awareness
• IT QA Methodology

Technical

• Risk Monitoring
• Risk Detection

Non-Technical

• Document Control
• Project Planning
• Reporting Skill

RESPONSIBILITIES:

• Assist in monitoring cash flow forecast and liquidity to ensure sufficient funds for operational needs.
• Support the preparation of cash forecasts and analyze key working capital components: accounts receivable, accounts payable, and inventory.
• Manage banking relationships, including maintaining service levels and bank compliance requirements.
• Participate in foreign exchange management to mitigate currency risk.
• Ensure compliance with internal controls, policies, and regulatory requirements related to treasury operations.
• Collaborate with other departments such as accounting, finance, and legal to coordinate financial activities.
• Assist in treasury system improvements and automation initiatives.

REQUIREMENTS:

• Bachelor's degree in Finance/ Accounting or related field
• Minimum 5 years of experience in treasury, finance, or related roles; preferably 1–2 years in a Big 4 accounting firm
• Experience / familiarity with cash flow forecasting, cash & liquidity management, and banking relationships
• Proficient in MS Excel; experience with ERP or treasury management systems (e.g., SAP, TMS) is advantageous.
• Proficiency in English communication
• Good communication and interpersonal skills for coordinating with banks, internal stakeholders, and other departments.
• Ability to work independently and as part of a team.
• Amenable to report to Jakarta office in a hybrid work setup.

The ZALORA Story

ZALORA is Asia's leading online fashion, beauty and lifestyle destination, part of Global Fashion Group. As one of the region's pioneer large scale e-commerce platforms, ZALORA has established a strong presence throughout the region, particularly in Singapore, Indonesia, Malaysia, the Philippines, and Hong Kong enjoying over 50 million visits per month.

ZALORA is not obligated to accept resumes from any third parties on behalf of potential candidates for any position (advertised or otherwise) by any means unless ZALORA has executed a written agreement with such third party and has expressly requested such third party for candidate referrals. Third parties who provide unsolicited resumes of candidate(s) shall waive and forfeit all rights to claim for any placement fees or referral fees in the event that such candidate is eventually engaged or employed by ZALORA or Global Fashion Group.

Consent Disclaimer

By submitting your application for this role, you consent to ZALORA collecting, using and processing through and in ZALORA's systems all personal data included in or provided in relation to your application. The purposes for such collection, use and/or processing shall be for conducting of ZALORA's recruitment requirements for the present role, and identifying and evaluating other roles and career opportunities within ZALORA which you might be a good fit for.

The ZALORA Story

ZALORA is Asia's leading online fashion, beauty and lifestyle destination, part of Global Fashion Group. As one of the region's pioneer large scale e-commerce platforms, ZALORA has established a strong presence throughout the region, particularly in Singapore, Indonesia, Malaysia, Brunei, the Philippines, Hong Kong, and in Taiwan, enjoying over 50 million visits per month.

ZALORA is not obligated to accept resumes from any third parties on behalf of potential candidates for any position (advertised or otherwise) by any means unless ZALORA has executed a written agreement with such third party and has expressly requested such third party for candidate referrals. Third parties who provide unsolicited resumes of candidate(s) shall waive and forfeit all rights to claim for any placement fees or referral fees in the event that such candidate is eventually engaged or employed by ZALORA or Global Fashion Group.

Consent Disclaimer

By submitting your application for this role, you consent to ZALORA collecting, using and processing through and in ZALORA's systems all personal data included in or provided in relation to your application. The purposes for such collection, use and/or processing shall be for conducting of ZALORA's recruitment requirements for the present role, and identifying and evaluating other roles and career opportunities within ZALORA which you might be a good fit for.

RESPONSIBILITIES:

• Assist in monitoring cash flow forecast and liquidity to ensure sufficient funds for operational needs.
• Support the preparation of cash forecasts and analyze key working capital components: accounts receivable, accounts payable, and inventory.
• Manage banking relationships, including maintaining service levels and bank compliance requirements.
• Participate in foreign exchange management to mitigate currency risk.
• Ensure compliance with internal controls, policies, and regulatory requirements related to treasury operations.
• Collaborate with other departments such as accounting, finance, and legal to coordinate financial activities.
• Assist in treasury system improvements and automation initiatives.

REQUIREMENTS:

• Bachelor's degree in Finance/ Accounting or related field
• Minimum 5 years of experience in treasury, finance, or related roles; preferably 1–2 years in a Big 4 accounting firm
• Experience / familiarity with cash flow forecasting, cash & liquidity management, and banking relationships
• Proficient in Ms Excel; experience with ERP or treasury management systems (e.g., SAP, TMS) is advantageous.
• Proficiency in English communication
• Good communication and interpersonal skills for coordinating with banks, internal stakeholders, and other departments.
• Ability to work independently and as part of a team.
• Amenable to work in a hybrid setup.

The ZALORA Story

ZALORA is Asia's leading online fashion, beauty and lifestyle destination, part of Global Fashion Group. As one of the region's pioneer large scale e-commerce platforms, ZALORA has established a strong presence throughout the region, particularly in Singapore, Indonesia, Malaysia, Brunei, the Philippines, Hong Kong, and in Taiwan, enjoying over 50 million visits per month.

ZALORA is not obligated to accept resumes from any third parties on behalf of potential candidates for any position (advertised or otherwise) by any means unless ZALORA has executed a written agreement with such third party and has expressly requested such third party for candidate referrals. Third parties who provide unsolicited resumes of candidate(s) shall waive and forfeit all rights to claim for any placement fees or referral fees in the event that such candidate is eventually engaged or employed by ZALORA or Global Fashion Group.

Consent Disclaimer

By submitting your application for this role, you consent to ZALORA collecting, using and processing through and in ZALORA's systems all personal data included in or provided in relation to your application. The purposes for such collection, use and/or processing shall be for conducting of ZALORA's recruitment requirements for the present role, and identifying and evaluating other roles and career opportunities within ZALORA which you might be a good fit for.

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• Analyzing and evaluating insurance applications and associated risks.
• Determining appropriate coverage, policy terms, conditions, and premiums.
• Developing and implementing underwriting guidelines and strategies.
• Assessing the financial stability and loss history of prospective clients.
• Negotiating terms with brokers and agents.
• Monitoring the performance of existing policies and portfolios.
• Staying informed about market trends, regulatory changes, and new products.
• Collaborating with claims, actuarial, and sales departments.
• Providing guidance and mentorship to junior underwriters.
• Ensuring compliance with all applicable laws and regulations.
• Utilizing underwriting software and tools to support decision-making.
• Managing a portfolio of high-value and complex risks from Denpasar, Bali, ID and surrounding regions.

At EY, you'll have the chance to build a career as unique as you are, with the global scale, support, inclusive culture and technology to become the best version of you. And we're counting on your unique voice and perspective to help EY become even better, too. Join us and build an exceptional experience for yourself, and a better working world for all.

The opportunity: your next adventure awaits
What's in it for You?
As an Associate at Technology Risk, you will have the opportunity to contribute to impactful projects within a dynamic team. You will engage in meaningful work by performing IT-related procedures that support financial statement audits and integrated audits. This role allows you to evaluate IT general control design and effectiveness, test application controls, and examine management controls within IT infrastructures.

You will build valuable internal and external relationships, identifying and escalating potential business opportunities for Ernst & Young within existing engagements. Your focus on anticipating and identifying risks will empower you to escalate issues appropriately, ensuring that the work delivered is of the highest quality.

Joining our Technology Risk Team means becoming part of a creative, analytical, and self-driven group of effective collaborators and leaders. You will have access to world-class methods and knowledge, as well as innovative EY learning programs, such as the EY Tech MBA. This is your chance to develop your skills and contribute to building a better working world.

What We Look For:

• You have a strong academic foundation. A bachelor's or master's degree in Accounting, Finance, Management, Business, Risk Management, Information Systems, Information Technology, Computer Science, Mathematics, Statistics, or Engineering from a reputable university is essential. A master's degree is an advantage.
• You are a fresh graduate or a master's degree holder, or you have limited working experience. A minimum GPA of 3.20 out of 4.00 (from reputable universities) is required.
• You understand business management principles. We're looking for individuals who can effectively communicate, present, and collaborate with others.
• You are fluent in Indonesian and proficient in English (both verbal and written) — this is mandatory.
• You are proficient in key Microsoft Office applications, especially Microsoft Excel. You have the ability to work independently and collaboratively under pressure while meeting established goals and deadlines.
• You are highly motivated with a strong drive to learn, including through independent learning. You can work across different disciplines, take on new challenges, and develop a solid understanding of various industries.

Additional Qualifications (good to have):

• Previous work experience in Internal Audit, Risk Management, Business Process, Compliance, or in a Professional Services firm is a plus.
• Holds relevant certifications (e.g., CISA, CRISC, CISM, etc) is a plus.
• Familiarity with business process modeling notations and tools (e.g., Microsoft Visio, ARIS, etc) is a plus.
• Basic knowledge of accounting, ERP systems, and IT security is a plus.
• Digitally aware and understands emerging technologies (e.g., RPA, AI, etc) is a plus.
• Familiarity with data visualization tools (e.g., Power BI, Tableau, etc) is a plus.
• Familiarity with programming languages (e.g., Python, SQL, etc) is a plus.
• Active participation in organizational or extracurricular activities is a plus.

What You Can Expect
Shortlisted candidates can expect to be invited to an online Preliminary Assessment. Those who pass this assessment will be invited to proceed to the next steps in the recruitment process.
Are you ready to shape your future with confidence? Apply today.
EY | Building a better working world
EY exists to build a better working world, helping to create long-term value for clients, people and society and build trust in the capital markets.

Enabled by data and technology, diverse EY teams in over 150 countries provide trust through assurance and help clients grow, transform and operate.

Working across assurance, consulting, law, strategy, tax and transactions, EY teams ask better questions to find new answers for the complex issues facing our world today.

Business FunctionCorporate and Investment Banking provides corporate customers with a full range of commercial banking products and services, including cash management services, current accounts, time deposits, trade finance, working capital finance, term loans and foreign exchange. Through our continued commitment, DBS has cultivated long-standing relationships with its customers in the region that are based on account relationship management, service differentiation, product development and rigorous credit standards.Responsibilities: - Conduct risk assessments. Assessing control adequacy and preparing control improvement recommendations- Analyzing incidents and audit findings to identify root causes and corrective actions- Understanding regulations from regulators (BI, OJK, Ministry, MAS, etc)- Processing data and create risk management reports- Familiar with audit principles such as sampling and evidence gathering- Liaising with internal and external auditors (including regulators)- Processing good communication skills to clearly convey risk finding results to other work units and management in ID or SGRequirements: - Bachelor Degree in Economics, Risk Management, or related fields- Have BSMR License- Minimum of 3 years of experience in Risk Management for Corporate Banking Department within the Financial Industry- Strong understanding of regulatory frameworks and risk management principles- Demonstrated experience in risk assessment methodlogies and quantitative analysis- Excellent communication and interpersonal skills, with the ability to influence and build relationships with any related parties.Apply NowWe offer a competitive salary and benefits package and the professional advantages of a dynamic environment that supports your development and recognises your achievements.