Head of Credit Risk and Portfolio

Amartha is a technology company focused on creating shared prosperity by developing digital financial solutions for the grassroots economy. Founded in 2010 as a microfinance institution, Amartha connects rural, women-led micro-enterprises with affordable capital. Amartha is expanding as a tech company, building a microfinance ecosystem that connects to the growing digital economy through capital, investment, and payment services. By boosting the competitiveness of micro and small entrepreneurs, Amartha empowers women-led MSMEs, creates jobs, and fosters inclusive economic growth.

About The Role

This role is looking for a Portfolio Risk Senior Lead that plays a critical role in shaping Amartha’s credit policies, overseeing portfolio performance, and implementing risk strategies that align with our mission to support millions of underserved micro-businesses. You will collaborate with data, business, and operations teams to drive sustainable growth, reduce credit losses, and enhance financial inclusion across Indonesia. This role offers a unique opportunity to influence lending strategies at scale and contribute to a high-impact, purpose-driven organization.

Responsibilities:

• Own the credit risk strategy — Define and drive the credit risk framework, policies, and risk appetite across all Amartha lending products, ensuring alignment with business growth targets and regulatory standards.
• Govern portfolio performance — Oversee end-to-end portfolio health through continuous monitoring, trend analysis, and segmentation, translating insights into strategic decisions for senior leadership.
• Lead cross-functional risk integration — Partner with Data Science, Product, and Operations leadership to embed risk considerations into product design and growth initiatives, balancing expansion with asset quality.
• Anticipate and mitigate emerging risks — Build early-warning systems and proactive mitigation strategies to safeguard portfolio quality ahead of market or macroeconomic shifts.
• Drive financial and risk planning — Provide credit forecasts, provisioning inputs, and risk-adjusted return analysis that directly inform company-wide financial planning and capital allocation decisions.
• Build organizational risk capability — Lead, mentor, and develop the credit risk team while establishing reporting standards and governance practices that ensure clear, actionable communication with senior management and the board.

• Bachelor's or Master's degree in Finance, Economics, Business, Statistics, or a related field.
• 12+ years of experience in credit risk management, loan portfolio analytics, or strategy, preferably within fintech, P2P lending, or multi-finance institutions, with at least 3–5 years in a leadership or head-level capacity.
• Proven track record of designing and scaling credit risk frameworks and policies within a high-growth lending environment.
• Strong command of credit lifecycle management, risk segmentation, and portfolio strategy across diverse loan products.
• Excellent analytical and problem-solving skills, with proficiency in SQL, Excel, and data visualization tools (e.g., Tableau, Power BI).
• Demonstrated ability to translate complex data into strategic insights and communicate them persuasively to senior management, the board, and external stakeholders.
• Strong leadership and people management skills, with experience building and developing high-performing risk teams.

Preferred Skills

• Experience working with machine learning-based credit scoring or alternative data models.
• Familiarity with regulatory frameworks such as OJK, Basel, or IFRS 9.
• Knowledge of borrower behavior in microfinance or MSME segments.
• Strong leadership skills with experience managing cross-functional projects.
• Ability to thrive in a fast-paced, mission-driven, and agile work environment.

At Amartha, we are dedicated to creating a workplace that celebrates diversity, ensures equity, and fosters inclusion. We believe that diverse perspectives—shaped by factors such as gender, age, race, ethnicity, education, culture, and life experiences—drive innovation and growth.

We actively welcome individuals from all backgrounds to join us in building an environment where everyone feels respected, valued, and empowered. Our commitment is to provide equal opportunities and foster a sense of belonging that enables our employees to thrive and make meaningful contributions.