966 Credit Risk jobs in Indonesia

Credit Risk Analyst

at wagely (Pt. Gaji Pintar Indonesia) - Indonesia

A little about us…

Wagely is one of Southeast Asia's most exciting FinTech companies which is founded for a social purpose. Our mission is to reduce the Indonesian poverty premium by giving people instant access to their earned-but-unpaid wages. We're fortunate to be advised by the best in the industry having reputable investors that believe in our vision. We've been growing like crazy this year, with exponential month-over-month growth. To help fuel this rapid growth we are looking for highly motivated people to join us on this fast-paced journey.

What will you be doing?

1. Credit Assessment

• Evaluate credit requests and user/employer risk.
• Analyze financial & behavioral data.
• Maintain and refine credit scoring models.

2. Risk Monitoring

• Track repayment and delinquency trends.
• Flag early risks and propose actions.
• Run stress tests and manage exposure limits.

3. Policy & Compliance

• Maintain credit policies & SOPs.
• Ensure OJK and internal compliance.
• Present risk insights in committees.

4. Data & Reporting

• Build dashboards & risk reports.
• Analyze trends using SQL/Python/BI tools.
• Monitor and recalibrate models.

5. Collaboration & Recovery

• Work with Product, Data & Collections teams.
• Assess partner risk and support recovery strategies.

6. Projects & Audit

• Lead process automation & fraud control.
• Keep documentation and support audits.

This might be right for you if:

You have
3–5 years of experience
in
credit risk, lending, or financial analysis
, preferably in
fintech, banking, or digital lending
.

You're skilled in
data-driven decision-making
and comfortable working with
large datasets
.

Experience with
SQL, Python, R
, or
BI tools
is a strong plus.

You understand
credit scoring, underwriting, and portfolio management
.

You're detail-oriented — numbers, trends, and anomalies don't escape your eye.

You thrive in
fast-paced environments
, adapting quickly to new products, data, and challenges.

You care about
accuracy, compliance, and process improvement
— anything worth analyzing is worth doing right.

If you are interested, please send your application to

.

We look forward to hearing from you

About Us:

We're on a mission to Make Payroll Great Again

Kini is a on-demand payroll provider, helping enterprises and their employees take control of their finances by providing B2B payroll services and B2B2C employee benefits such as earned wage access, bill-paying services, and special features including micro insurance.

Kini is backed by investors such as East Ventures, Ten13, OurCrowd, K50 Ventures, Goodwater Capital and leading private credit providers.

About the role:

We are seeking a highly experienced and strategic leader to oversee the entire credit lifecycle, from initial analysis to final debt recovery, if necessary.

This role will encompass leading the Credit assessment and monitoring division and work closely with Sales, Operations, Collections and Legal departments, ensuring a cohesive and efficient approach to managing financial risk and maximizing profitability.

*Suitable for experiences with commercial/B2B experience*

*Strong English is a must*

Responsibilities:

Credit Risk Management:

• Assist in analyzing financial statements, bank statements, and other data to assess borrower creditworthiness.
• Support preparation of credit memos and recommendations for credit committee review.
• Assist in calculating key financial ratios (e.g., liquidity, leverage, profitability) and identifying early signs of credit risk.

Qualifications:

• Relevant academic qualifications.
• Minimum 3 years of experience within a financial institution (Fintech, Multifinance or Bank), with a proven track record in credit risk management, collections, and/or legal aspects of finance.
• Commercial Credit experience (Enterprise focus).

What We Offer:

• Competitive compensation & daily pay via Kini App
• Opportunity for equity ownership
• Unlimited vacation
• Remote work

This is a challenging and rewarding opportunity for a highly motivated leader to play a pivotal role in safeguarding the company's financial health and profitability.

• Analyze credit applications and financial data of potential borrowers to assess creditworthiness for the Surabaya, East Java, ID branch.
• Evaluate financial statements, cash flow, collateral, and market trends to determine credit risk.
• Prepare detailed credit reports and recommendations for loan approvals or rejections.
• Monitor the performance of existing loan portfolios and identify potential signs of deteriorating credit quality.
• Develop and implement credit risk models and scoring systems.
• Ensure compliance with internal credit policies and external regulatory guidelines.
• Collaborate with loan officers to structure credit facilities and negotiate terms.
• Stay updated on economic conditions and industry trends that may impact credit risk.
• Assist in developing and executing risk mitigation strategies.
• Present findings and risk assessments to senior management and credit committees.

• Bachelor's degree in Finance, Economics, Accounting, or a related quantitative field.
• Minimum of 3 years of experience in credit analysis, risk management, or a related banking function.
• Strong understanding of financial statement analysis and credit evaluation techniques.
• Proficiency in financial modeling and data analysis tools (e.g., Excel, SQL).
• Knowledge of banking regulations and credit risk management principles.
• Excellent analytical, critical thinking, and problem-solving skills.
• Strong written and verbal communication skills, with the ability to present complex information effectively.
• Ability to work independently and as part of a team in a fast-paced environment.
• Detail-oriented with a high degree of accuracy.

• Analyze loan applications to assess credit risk and determine loan eligibility.
• Evaluate financial statements, credit reports, and other relevant data to assess borrower creditworthiness.
• Develop, implement, and monitor credit scoring models.
• Monitor the performance of the credit portfolio and identify potential areas of concern.
• Ensure compliance with credit policies, procedures, and regulatory requirements.
• Prepare detailed credit reports and risk assessments for management review.
• Work with internal teams to manage and mitigate credit risks.
• Stay informed about industry trends and changes in the credit market.
• Provide recommendations for credit limit adjustments and loan structuring.
• Contribute to the development and refinement of credit risk management strategies.

• Bachelor's degree in Finance, Economics, Accounting, or a related quantitative field.
• Minimum of 3 years of experience in credit analysis, risk management, or a related financial role.
• Strong understanding of financial analysis, accounting principles, and credit assessment techniques.
• Proficiency in using financial analysis tools and software, including advanced Excel skills.
• Excellent analytical, quantitative, and problem-solving abilities.
• Strong communication and report-writing skills.
• Ability to work independently and collaboratively in a team environment.
• Attention to detail and accuracy in data analysis.
• Knowledge of relevant banking regulations is a plus.
• Ethical and professional conduct.

• Analyze financial statements, credit reports, and other relevant data to assess the creditworthiness of new and existing clients.
• Develop, implement, and monitor credit scoring models and risk assessment tools.
• Prepare detailed credit risk reports and recommendations for loan approvals or rejections.
• Monitor the performance of loan portfolios, identifying potential risks and developing mitigation strategies.
• Ensure compliance with internal credit policies and external regulatory requirements.
• Conduct industry and economic analysis to inform credit risk assessments.
• Collaborate with loan officers and relationship managers to provide credit expertise and support.
• Stay abreast of market trends, economic conditions, and evolving risk management practices.
• Assist in the development and refinement of credit policies and procedures.
• Perform stress testing and scenario analysis on credit portfolios.

• Bachelor's degree in Finance, Economics, Statistics, Mathematics, or a related quantitative field.
• Minimum of 3 years of experience in credit risk analysis, financial analysis, or a related banking/finance role.
• Strong understanding of financial statement analysis, credit underwriting, and risk management principles.
• Proficiency in statistical software or data analysis tools (e.g., Excel, SQL, R, Python).
• Excellent analytical, problem-solving, and critical thinking skills.
• Detail-oriented with a high degree of accuracy.
• Strong written and verbal communication skills in Bahasa Indonesia and English.
• Ability to work independently and collaboratively within a team environment.
• Knowledge of banking regulations and compliance requirements is a plus.
• Professional certifications such as FRM or PRM are an advantage.

Key Responsibilities:

Credit Scoring & Underwriting Support

• Build and maintain credit scoring models using SQL, Python, and ML techniques.
• Support credit policy formulation with data-driven recommendations.
• Explore new alternate data sources, run POC experiments, and measure portfolio impact.

Portfolio Monitoring & Reporting

• Analyze delinquency, loss trends, and portfolio quality.
• Prepare monthly portfolio reports and insights for management and bank partners.
• Highlight early risk signals and recommend corrective actions.

Collaboration & Governance

• Coordinate with Risk, Finance, Compliance, and Tech for regulatory alignment and reporting.
• Support OJK and partner audits with data, analysis, and presentations.
• Manage multiple counterparts in a multi-license environment (lending, e-wallet/PJP, aggregator).

Requirements:

• Bachelor's/Master's degree in Finance, Mathematics or related field.
• 3–5 years experience in data science, credit scoring model development, portfolio analytics, or credit risk management, ideally in fintech or retail banking. Exposure to OJK/regulatory audits and multi-entity collaboration is preferred.
• Strong SQL & Python skills
• Statistical modelling and ML knowledge.
• Experience with portfolio reporting and impact analysis.
• Familiarity with OJK credit risk requirements.
• Willing to be placed in South Jakarta.

• Credit Manager opportunity with a global commodities trading company
• Singapore based role, relocation assistance provided
• Support metals and mining trading business

As the Credit Manager, you will handle a range of counterparties, provide risk support to trading desks, and lead initiatives aimed at improving processes and risk frameworks.

Key Responsibilities

• Oversee and monitor a portfolio of counterparties, identifying potential risks through ongoing news and market analysis, and taking action where necessary.
• Build and maintain strong relationships with trading teams, counterparties, and internal stakeholders to ensure risk management aligns with commercial objectives.
• Approve or recommend credit limits for trading activities.
• Review contractual documentation and negotiate terms that meet both commercial and risk management needs.
• Evaluate complex, large-scale, or structured transactions, providing clear recommendations on risk appetite.
• Provide regional desk coverage, ensuring risk policies are consistently applied across different markets.
• Lead or contribute to initiatives that enhance credit assessment processes, improve accuracy, and drive efficiency.
• Prepare risk reports and presentations for senior management, highlighting exposures, trends, and key risk areas.

Skills & Experience

• At least 5 years of credit analysis experience in a commodities trading or financial services environment.
• Experience negotiating credit terms and structuring transactions

Please send in your resume in WORD format to

Nicola Clarke | EA Licence no. 18S9419 | EA Personnel no. R

About You

• You're a go-getter with mad juggling skills (or multiple hats) who can thrive in a fast-paced, agile environment
• You enjoy doing purpose-led and meaningful work
• You have a strong thirst for knowledge and are driven to find solutions that don't exist yet
• You are comfortable with ambiguity and extremely resourceful (in your past life, you could've been a detective)
• You always find a way to get things done without sacrificing the quality of your work, integrity, and values
• No task is off limits for you
• You are humble and prioritize the success of the team over your own with an eagerness to help those around you
• You don't shy away from challenges and can bounce back from setbacks
• We strongly encourage individuals with disabilities to apply. We believe in equal opportunity and strive to create an inclusive workplace where everyone can thrive.

What you'll do and what success looks like in this role:

• Assess credit risks related to the bank's loan products, set credit risk tolerance, credit score reduction, and review credit risk policies.
• Monitor credit portfolio regularly, identify and understand risk factors for each portfolio throughout the credit cycle, and evaluate them using a combination of leading and lagging indicators.
• Develop and implement strategies and policies to mitigate identified credit risks, including decision-making on policies and procedures, as well as the execution of credit risk management strategies.
• Prepare and present regular reports on credit exposure risks to management.
• Collaborate closely with related teams and stakeholders to ensure the bank maintains a healthy credit portfolio.
• Support the development and review of credit risk reporting, internal data governance, and validation of credit scoring models.

What Is Required And What We're Looking For

• Bachelor's degree or higher in Statistics, Mathematics, Business Administration, IT, Accounting, or related fields.
• Proficiency in both English and Bahasa Indonesia (spoken & written).
• Strong analytical and visualization skills, with experience in statistical or analytical tools.
• Proficiency in Python, Power BI, Excel, and SQL is an advantage.

Job Description Summary :

Manage all credit risk management

Job Description :

• Perform Credit risk management (credit limits, approvals)
• Manage transactional for insurance ops. (e.g. claims)
• Set policy for credit limits and define escalation process
• Monitor overall AR amount & quality – drive interventions as needed
• Approve credit limit escalations
• Monitor asset insurance coverage

Job Requirements :

• Bachelor degree in Business/ Accounting/Banking Finance or equivalent field
• At least 1 - 3 years of work experience in related field
• Proficient in English, written and verbal

"Our company has never levied any fees for the recruitment process nor has it required to order tickets and accommodation through a certain travel agent or certain person."