Underwriting Risk Analyst

Krom (Jakarta, Indonesia)

DKI Jakarta, อินโดนีเซีย

PT Krom Bank Indonesia Tbk, a subsidiary of Kredivo Group, is a licensed Indonesian bank, regulated and supervised by OJK (Indonesian banking regulator). With Krom, we're looking for new ways to make banking easier and more convenient for Indonesian millennials. We're excited to be a part of the digital transformation of the banking industry and we’re motivated by the vision of building Krom into the most preferred digital bank in Indonesia.

เกี่ยวกับตำแหน่งนี้

In an increasingly saturated digital lending market, product differentiation, processing efficiency and time to market are paramount to the success of acquisition and utilization campaigns. Coupled with the above, the minimization of credit losses and the maximization of NPL recovery are of equal importance to ensure maximum profitability. The Job Holder is expected to have already been well accustomed to the multitasking and pressure that the above operating environment and objectives entail.

หน้าที่รับผิดชอบ

• Leverages data to identify key risk indicators and potential risk factors within the underwriting process and provide actionable insight to mitigate the potential risk that may arise
• Regularly monitoring credit exposure limits, concentrations, and credit quality metrics to ensure that they remain within acceptable levels.
• Creating ad-hoc report, monitoring and analysis to aid management on risk decisions
• Identifying fraudulent activities and provide necessary solutions to stop the gap
• Participate on new product launch, policy change implementations and process changes
• Ensuring compliance with regulatory requirements related to credit risk management
• Communicating the status of credit risks to senior management and the board of directors.
• Integration with technology teams: Closely integrate with the IT and data science teams to enhance the effectiveness of risk models and decision systems.

คุณสมบัติ

• A minimum of 2 years’ hands-on experience in various end-to-end consumer & SME credit positions.
• Experience in digital banking and/or financial technology companies will be a significant plus.
• Strong analytical and problem-solving skills. Experienced in building a credit scoring methodology through various means, including but not limited to logistic regression, decision trees, or neural networks. Experience with building a behavioral-based scoring system is a plus.
• Excellent communication and interpersonal skills.
• Ability to work in a team environment and collaborate effectively with stakeholders at all levels of the organization.
• Familiarity with regulatory requirements: Familiarity with financial regulations pertinent to digital lending as this is critical for risk management.
• Advanced data analytics skills: Need to be well versed with advanced big data platforms and tools which are prerequisites in handling large volumes of digital transactions. SQL is required, Python is a plus.