Credit Policy Specialist (Consumer)
Job Description
- Keep good documentations of risk policy and procedures encompassing new users selections, portfolio management, and risk mitigations over users’ product life-time.
Keep track over changes in business strategy and overall processes, review its impact to credit performance, propose and implement action to manage the risk if necessary.
Regularly monitor and forecast key indicators of credit risk and portfolio management, and quick to alert any adverse in credit performance.
Do analysis for improvement in policy and analyze further if any adverse in credit performance to find out the root cause to keep the risk healthy.
Work closely with the Product team to assess risks of new initiatives with sufficient challenge, while help them by recommending mitigation actions related to the risk.
Working with other teams to manage risk-related projects including projects with 3rd party, while keeping user journey and needs in mind.
Contribute in achieving business growth target sustainably, focusing on short-term success and long-term sustainability of the business
Contribute in building 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 plan or ad hoc one, alone or with data team, to answer credit risk issues.
Requirements
Minimum 4 years work experience related to financial analytics, portfolio management and/or credit policy.
Experienced in creating senior-level presentations materials, and complex yet clear reports.
Fluent in both Bahasa Indonesia and English.
Comfortable in using statistical analytic tool (i.e. SQL, DOMO) or any similar tools.
Experienced in financial analysis, portfolio management and strong analytical skills.
MS-Office and G-Suite.
Self-starter, adaptive to dynamic changes, punctual in deliveries, good self-management, proactive, meticulous, and self-motivated.
