Credit Analyst - SME (Bandung)

Moladin (Bandung, East Java, Indonesia)

East Java, 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 Credit Analyst - SME position in Bandung involves approving SME loan applications, assessing creditworthiness, and developing strategies to mitigate lending risks while ensuring compliance with policies and procedures.

Responsibilities

• Responsible for approving all SME loan applications, demonstrating sound credit and business judgment, and adept at identifying high-risk, early warning signs, and potential fraud conditions in customer profiles
• Experienced in handling SME loans secured with property collateral, ensuring compliance with established policies and standard operating procedures (SOP)
• Achieve daily targets for reviewing incoming loan applications and adhere to committed Service Level Agreements (SLA)
• Possess knowledge of industry practices, financial statement analysis, and a fundamental understanding of legal aspects related to collateral security and company documentation
• Able to read and understand customer payment or Non-Performing Loan (NPL) performance for learning of future approval
• Develop and propose mitigation strategies for financing customers to minimize lending risks, and effectively communicate solutions to sales, marketing, and business teams

Requirements

• Minimum Bachelor's or Master's degree from a reputable university
• Having a minimum of 3 years of experience as a Credit Analyst in SME / Micro SME / Commercial Loans
• Having authority limit approval with a minimum of 500 million and the ability to assess the creditworthiness of both individuals and companies
• Proficient in comprehending the entire credit process and underwriting, including but not limited to loan submission, documentation, policy adherence, approval analysis, and collateral security evaluation
• Demonstrate keen attention to detail and a strong interest in analyzing customer data. Exhibit qualities of high responsibility, integrity, commitment, and discipline