Amar Bank sedang merekrut seorang
Risk Analytics
Loker ini dibuat lebih dari 2 bulan yang lalu
Who are we?
Amar Bank is one of the most technologically advanced digital banks in Indonesia. Our leading
digital lending product, Tunaiku has the distinction of being the first FinTech product in
Indonesia. We are also the first digital bank on the cloud. As the first profitable digital bank, we
managed to get listed on the Indonesian Stock Exchange.
How did we manage to do that?
We are changing people’s perception of a bank. We believe we are the innovators who combine
customer focus principles with creating technology-based impact. We incorporate freedom and
flexibility as part of our startup working culture DNA to encourage innovation in creating better
financial solutions for the banking industry. We think of ourselves as, ‘A technology company
with a banking license’. For this reason, we ‘Act like a FinTech, and think like a Bank.’
How did it all start?
Founded on March 15, 1991, in Surabaya as PT Anglomas International Bank (Amin Bank), the
bank was acquired by Tolaram Group and transformed to PT Bank Amar Indonesia (Amar Bank)
in 2014. It has then undergone a significant digital transformation to become one of the
country's forerunning fintech institutions through its award-winning digital lending platform,
Tunaiku.
Our philosophy, mission, and vision
Technology must impact lives, must improve lives. We exist to provide banking to those who
‘need’ and not only to those who ‘want’. Services when provided to those who need at the time
of their need brings smiles. Our vision is to bring 200 million smiles.
More about the bank with startup culture environment
Consist of 1000+ people, you will meet people who love to grow, dream big, and actually have
fun at the workplace! We provide a great working environment that pushes people to grow
outside their comfort zone. People with high drive and ambition find us a very attractive place to
work as their career growth matches their own drive and not any staid policies. Thus we hold
the honor of being awarded “Best Place to Work in Indonesia”.
Recently Amar Bank was awarded as Inspirational Brand from APEA (Asia Pacific Enterprise
Awards) 2022. Of course, our innovation won't stop here. So if you would love to be a part of it,
have a growth mindset, and are constantly hungry for challenges, we invite you to join us in our
journey to ‘Impact Lives’.
Join us today and create #unlimitedinnovations!
Responsibilities
- Full understanding and in-depth knowledge of our incoming data sources used for underwriting (SLIK and FDC, perhaps some new sources from the ICS project)
- Proactively maintain open channels with above mentioned data source providers, where if there are any questions or trend changes in the input data we have a clear role will conveying the questions/answers to the provider of the data
- Monitor the trends in input data for spikes or abnormalities occurrence and find the root cause of the occurrence, working together with data science and risk to document the occurrence and possible effect or next steps to be taken
- Analyze SLIK and FDC overall market trends, going also to creditor level to monitor how competitor products are performing and update if there are any new products or changes in the main creditor's portfolios
- Help to make sense and properly categorize the loan products reported in SLIK and FDC registries, put context behind the loans being reported such as what the purpose of the loan
- Understand the different reporting irregularities coming from different creditors in SLIK and FDC
- Set up an alerting policy if any changes in trends are detected and communicate with the data provider to find out why and what has occurred for the change to take place
- Perform analysis on Tunaiku paid-out loans in correlation to SLIK and FDC loan balances i.e. “follow the money” what happens when our loan is being disbursed in the following months based on other creditor loans
- Update the categorization of device data applications when needed i.e. when a new credit model is being built
- Comparing and understanding where our loan product fits the market and measuring performance compared to other creditor-similar products
Requirements
- Minimum 5 years of experience in risk analytics or a similar role
- Experienced in financial institutions, preferably banks
- Possess both Qualitative and quantitative understanding for underwriting data input and data source
- Hands-on experience in SLIK analysis
- Proficient in Excel for data analytics (e.g. Pivot table)
Bonus Point If
- Having a network with data source providers (PEFINDO, CBI, CLIK)
- Proficient in SQL
- Experienced in handling data related to Device and Telco data
We exist to cover the full area of lending to retail customers based on a portfolio approach. We are very data-driven and strategic to make decisions on Retail propositions through analyzing, interpreting, elaborating data, visualizing, and presenting results.
It’s our job to underwrite, create portfolio management reports, design collection strategies to risk costs, and RWA optimization. We work closely with relevant stakeholders actively to build the network globally.
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