Credit Analyst

About Atome Financial Headquartered in Singapore, Atome Financial is a consumer business unit under Advance Intelligence Group. The products under Atome Financial include: Atome: A leading buy now pay later brand in Asia Pacific which is currently present in 10 markets and partners over 15,000+ top retailers. Key merchant partners include ZALORA, Sephora, Agoda, SHEIN and Zara. Kredit Pintar: One of Indonesia's top digital lending apps, regulated and supervised by Indonesia's Financial Services Authority (OJK). Over 10 million downloads, 2 million customer reviews and with a 4.4-star rating on Google Play Store. As part of the Advance Intelligence Group, a Series-D company and ranked No. 1 on LinkedIn's 2021 Top Startups List in Singapore with over 2,000+ staff worldwide, we are united by a shared vision and purpose: to Advance with Intelligence for a Better Life--for our customers, colleagues and communities. Our culture is built on values that are core to who we are and what we stand for:

1. We foster an INNOVATION mindset
2. We achieve results with EFFICIENCY and excellence
3. We take pride in the QUALITY of our work
4. We uphold INTEGRITY in all we do
5. We embrace COLLABORATION to work across business lines and borders

Job Description

• Responsible for checking the authenticity of the documents submitted & customer information
• Conduct daily reviews and make decisions for all incoming applications in the pipeline product based on available internal SOP
• Identify and analyze the scam patterns that have occurred or will occur and report to Supervisor
• Provide recommendations tied to analysis and assessment of review results
• Maintain the daily targeted numbers of incoming applications to be reviewed
• Ensure all information declared by the borrower in the application through phone or live video call verification based on the internal phone verification policy
• Ensure adherence of policy implementations
• Work independently and in a team environment to meet and exceed established objectives, KPI and quality performance indicators
• Contribute to projects as assigned and participate in continuous improvement efforts
• Develop knowledge of functional area policies and procedures

Requirements

• Minimum S1 preferred. D3 candidates may apply if no short term intention of furthering studies
• Minimum 2-3 years banking/fintech experience as Credit Analyst or Credit Assessment
• Possess good knowledge in Credit Analysis, Fraud Anomalies & Fraud Detection
• Experienced in MS Word, Excel, Power Point, GSuite
• Highly responsible, committed & disciplined
• Experience and able to work under shifting arrangement

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