Head Credit Analyst Department, Credit Control Services, Operations, SeaBank

PT Seabank Indonesia (Jakarta, Jakarta, Indonesia)

DKI Jakarta, Indonesia

SeaBank is a digital financial institution. We are a tech-based banking company, providing customers the convenience of banking 24/7 from home or anywhere, through smartphones. SeaBank aims to become the country’s Bank with Digital Services destination via ongoing product optimization and cutting-edge technology, providing a seamless and enjoyable user experience. Prior to being acquired by SEA in 2021, SeaBank was known as PT Bank Kesejahteraan Ekonomi (BKE), a bank that was established in 1992. SEA (NYSE: SE) is a leader in digital entertainment, e-commerce and digital financial services across Greater Southeast Asia. Together with Sea, SeaBank's mission is to better the lives of consumers and small businesses in our region with technology. The SeaBank team is rapidly growing. We are on the lookout for talent who have the drive to shape the future of banking industry and serve the underserved segment in Indonesia. If you are excited by innovation and the new ways of banking, SeaBank could be a place for you.

About this position

The Head Credit Analyst is responsible for overseeing credit analysis processes, ensuring compliance with regulations, and coordinating with various units to manage debtor selection and credit decisions effectively.

Responsibilities

• Ensure credit documents have been completed.
• Conduct on the spot (OTS) to ensure real business conditions and collateral for prospective debtors.
• Review results of credit analysis and credit analysis documents specifically Credit Analysis Tool (Perangkat Analisa Kredit), and Disposition Sheet regarding the PAK Proposal to be approved by members of the Credit Decision Committee.
• Checking the results of the 3 Pillar analysis and Early Warning of debtors above IDR 1 billion which is conducted by the Credit Analyst.
• Coordinate the results of the 3 Pillar Analysis and Early Warning to the Head of the Credit Control Services Division and with related units as well.
• Monitor the results of the four eyes principles analysis.
• Monitor debtor selection referring to the provisions of the Risk Acceptance Criteria.
• Coordinate the determination of the Decision Model.
• Coordinate with other units regarding Maturity Reports and DPD.

Requirements

• Bachelor’s degree in any major, preferably Economics/Management/Law.
• Min. 8 years relevant experience in banking industry.
• Understand the regulations and business processes in the banking industry.
• Having good communication skills.
• Understand financial report analysis.
• Understand the litigation and credit process.