Underwriting Manager

Kredivo Group (Jakarta Metropolitan Area)

DKI Jakarta, อินโดนีเซีย

Kredivo Group is Southeast Asia’s leading provider of digital financial services through its brands Kredivo, KrediFazz and Krom. Kredivo is the leading digital credit platform in Indonesia and Vietnam that gives customers instant credit financing for ecommerce and offline purchases, and personal loans, based on real-time decisioning. Kredivo users can buy now and pay later across the entirety of Indonesia’s retail commerce network with one of the lowest interest rates amongst digital credit providers in the country. Krom Bank Indonesia (formerly known as Bank Bisnis Internasional, IDX: BBSI) is the group’s bank entity and the operator of the soon-to-be-launched Indonesian neobank Krom. Kredivo Group is backed by leading financial and strategic investors such as Mizuho Financial Group, Square Peg Capital, Jungle Ventures, Naver Corp, Mirae Asset, Telkom Indonesia and Victory Park Capital among others.

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At Kredivo, we are building the future of financial services that are fast, cheap, and widely accessible, wrapped up in a beautiful UX. As we are growing bigger, we are looking for an Underwriting Manager who will closely collaborate with the Risk Analytics team.

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Underwriting Policies:
• Working on solutions for credit underwriting basis different product constructs
• Closely work with Data Science team to analyze of the underwriting models prepared by them and validate the performance of the same on current portfolio
• Determining the right pricing basis segmentation
• Working on standardization of policies and processes.

Performance Monitoring
• Portfolio Analysis and recommending the changes to UW strategy
• Identifying technological solutions to improve existing processes and overall portfolio management functions

New Partner Integrations
• Understanding the product being offered by the new partners and the segment being catered to
• Understanding the journey, identifying the set of information available with the and requisitioning the set of data to be provided at time of application
• Creation of policy basis the product, information available and prevailing models
• Formulation of UW strategy keeping the expected loss rates in consideration
• Monitor the implementation of policy, UAT and production test run of policy and clear the bottlenecks, if any

คุณสมบัติ

Qualifications
About you:
Minimum Qualification required: Quant Graduate/Postgraduate in Finance/Statistics/Management
Work Experience
• Minimum 5 years with 3 – 4 years in risk management and analytics
• Should have a fair understanding of risk performance
• Should have a very good communication skill.
• Superior Stake holder management skills- Work closely and align with each of the internal functions which includes Business development, Portfolio, Fraud, Data science, Product, Operations, Collections and external stakeholders
• Hands-on experience to work on large structured and unstructured datasets using different data processing and statistical tools is must
• Experience in leading a team is a great plus

Main Skills
Applicant should be Proficient in
• Data Analytics
• Model Validation
• Portfolio Management (Plus)
• Stake Holder Management

Technical Skills
Demonstrated Experience in R/Python (preferred), SQL (MANDATORY), Advanced Excel etc.