Deskripsi pekerjaan
- Create and analyze credit risk portfolios, and collaborate with the finance department to calculate monthly loss budgets.
- Track loss reports provided by the collection department and provide risk-related recommendations.
- Develop credit policies and Standard Operating Procedures (SOPs) related to impairment, loan reserves, and write-off policies.
- Prepare credit risk presentations and reports to management, highlighting credit risk trends.
- Monitor market trends and identify any regulatory or policy changes that may impact the company's credit losses.
- Work with the internal modeling team to measure counterparties (lenders/investors) exposure and ensure credit risk exposures do not exceed the company's risk appetite. Investigate any breaches of limits.
- Create credit policies and SOPs for the risk and operation departments, as needed.
- A Bachelor's Degree from a reputable local or overseas university with an excellent GPA in economics, engineering, statistics, or IT.
- A minimum of 3 years of experience in risk management within the lending business of a financial institution.
- Sound knowledge of credit risk principles, credit loss concepts, and best practices applied to lending/financing businesses.
- Proficient in Microsoft Excel, Word, and PowerPoint, with excellent communication and project management skills.
- Strong financial analytical skills, attention to detail, and ability to generate data into summary recommendations and analysis.
- Committed to doing an excellent job and exceeding expectations in a fast-paced environment.
- Excellent oral and written communication skills in both English and Indonesian, able to communicate policies and analyses to varied audiences, including the entire lending team.
