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Risk Analytics

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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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