Portfolio Credit Risk Specialist

Traveloka (Jakarta Metropolitan Area)

DKI Jakarta, Indonesia

e don’t innovate for the sake of innovation, we utilize technology to simplify people’s lives so they can enjoy their lives better. That belief is what brought Traveloka to be the leading travel platform in Southeast Asia. Traveloka serves 20+ products that include comprehensive travel services. From transportations to accommodations, discovering nearby attractions, and insurance products to financial services, including the groundbreaking ‘Buy Now Pay Later’. With 100+ millions downloads in six countries across the SEA region, we aim to keep exploring for better innovations — all to fulfill our users’ travel aspirations so they can enjoy their lives, their way.

About this position

The Portfolio Credit Risk Specialist is responsible for monitoring and managing credit risk and portfolio performance, ensuring effective risk mitigation and contributing to business growth.

Responsibilities

• Responsible for the monitoring, forecasting and early warning flagging of key indicators to ensure the overall credit risk and portfolio are managed appropriately.
• Responsible for projects or initiative to ensure overall portfolio management and non-performing loan management.
• Maintaining the risk policy and procedures that govern new user selection, portfolio management, risk mitigation.
• Assess any changes in business strategy and overall processes to determine the impact to credit performance while proposing necessary actions to manage the risk if necessary.
• Work closely with the Product team to assess risks of new initiatives with sufficient challenge, while assisting product on recommending mitigation actions related to the risk.
• Working with other teams to manage risk-related projects including projects with 3rd parties, while keeping user journey and needs in mind.
• Contribute in achieving business growth targets sustainably, focusing on short-term success and long-term sustainability of the business.
• Contribute in building a good risk culture in Traveloka PayLater, by regularly conducting formal discussions with other teams regarding issues in risk and its impact to the business.
• Conduct quantitative and qualitative analysis either planned or on an ad hoc basis, alone or with a data team, to answer credit risk issues.
• Independently handling projects or initiatives.

Requirements

• 5 years work experience related to credit risk, portfolio management and/or credit policy.
• Have good quantitative skills in order to assess data and be able to see and analyze trends.
• Experienced in creating senior-level presentations materials, and complex, yet clear reports.
• Have analytical skills (moderate to advance level using SQL) especially on forecast analysis, risk performance.
• Understanding in risk scoring and credit risk.
• Have general knowledge on product development (e.g such as underwriting system, product settings).
• Have skills on project management (to handle projects/initiatives).
• Have Python skills would be considered a plus.
• Fluent in both Bahasa Indonesia and English.