CREDIT RISK DIVISION HEAD

Mega Central Finance

Mega Central Finance (West Jakarta, Jakarta)

DKI Jakarta, อินโดนีเซีย

PT. Mega Central Finance adalah perusahaan pembiayaan kendaraan Roda Dua ( Motor) dan Dana Tunai ( Refinancing) yang merupakan salah satu anak perusahaan dari kelompok usaha CT CORP yang memiliki beberapa jenis bisnis seperti : Bank , Perusahaan Pembiayaan ,Asuransi , Media , F & B , Travel & Leasure. Saat ini kami membuka kesempatan berkarir untuk beragam posisi mulai dari Staff hingga Manager level, baik untuk penempatan di Kantor Pusat maupun seluruh cabang yang tersebar di Indonesia.

คลิกเพื่อดูงานที่คล้านกันในประเทศ อินโดนีเซีย:

ฝ่าย: การเงินและการบัญชี

อุตสาหกรรม: บริการธนาคารและการเงิน

เกี่ยวกับตำแหน่งนี้

The Credit Risk Division Head is responsible for managing and overseeing credit risk within a financing company. This role ensures effective management of credit risks by establishing policies and procedures, assessing and monitoring the credit portfolio, and maintaining a balance between risk and profitability in financing operations.

หน้าที่รับผิดชอบ

Policy Development and Implementation:
• Design, develop, and implement credit risk policies that align with regulations and the company’s needs.
• Review and update credit policies and procedures regularly.

Credit Risk Portfolio Management:
• Analyze and monitor the credit portfolio to identify and mitigate significant credit risks.
• Develop risk mitigation strategies to minimize potential losses.

Credit Assessment and Approval:
• Oversee the risk assessment process for financing applications.
• Provide credit approval recommendations for high-risk or complex financing cases.
• Manage the escalation process for credit decisions that require higher-level authorization.

Risk Analysis and Reporting:
• Provide regular reports on credit portfolio quality, potential risks, and credit-related business performance.
• Develop and monitor Key Risk Indicators (KRIs) to predict potential risk increases.

Cross-Department Collaboration:
• Work closely with marketing, operations, legal, and compliance teams to ensure credit decisions align with business targets and regulatory requirements.
• Educate other teams on credit risk policies and practices.

Regulation and Compliance:
• Ensure that all credit risk activities comply with Financial Services Authority (OJK) regulations and other relevant authorities.
• Maintain good relationships with regulators and external auditors regarding credit risk matters.

Team Development:
• Lead, train, and develop the credit risk team to enhance their skills in credit risk analysis and portfolio management.
• Identify training needs for the team and ensure the implementation of relevant training programs.

คุณสมบัติ

• Bachelor’s degree in Finance, Economics, Accounting, or related fields. A Master’s degree is preferred.
• Minimum of 7-10 years of experience in credit risk management, particularly in financing or banking sectors.
• Strong understanding of credit analysis, risk policies, and portfolio management.
• Excellent analytical and communication skills.
• Strong leadership and team management abilities.
• Knowledge of credit risk regulations and standards from OJK and relevant authorities.

Key Competencies:
• Analytical Thinking: Ability to analyze complex information and make informed decisions regarding credit risk.
• Leadership: Capability to lead a team in a dynamic and high-risk environment.
• Communication: Ability to clearly convey ideas and reports to both internal and external stakeholders.
• Attention to Detail: Focus on the quality of data and information used in risk analysis.

สิทธิประโยชน์

Huneety A.I Salary Estimate

9,000,000 - 26,000,000 IDR per month