Appraisal - SME (Pekanbaru)

Moladin (Pekanbaru, Riau, Indonesia)

Riau, Indonesia

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, and also 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”).

About this position

The Appraisal - SME position in Pekanbaru involves conducting customer visits and evaluations of collateral to assess customer eligibility and property value, while ensuring compliance with company standards and processes.

Responsibilities

• Conduct customer visits and surveys to gather the necessary information and documentation for assessing customer eligibility
• Thoroughly evaluate the condition of collateral (property/land/building) and provide recommendations on the value of the collateral in the system
• Ability to compare and collaborate with KJPP on property valuation, as well as verify the collateral value by conducting at least three (3) valid data comparisons in the surrounding area
• Demonstrate commitment to a target number of visits and comply with SLA processing time and SOP implementation
• Perform the know-your-customer (KYC) process, validate documents, verify collateral, and identify potential fraud
• Have a keen understanding of property value and ownership (ownership title) and conduct on-site verification with customers

Requirements

• Minimum Bachelor's or Master's Degree from a reputable university
• Minimum of 3 years of industry experience in the evaluation of SME, Micro SME, or Commercial Loans
• Proficient understanding of property valuations across different areas, including the ability to identify factors that may affect the value of collateral
• Thorough knowledge of the credit process and underwriting, covering loan submission, documentation, appraisal policy, collateral approval analysis, collateral security title, and legal document review
• Demonstrates exceptional attention to detail and a high level of interest in analyzing customer data
• Highly accountable with a strong sense of integrity, commitment, and discipline