Deskripsi pekerjaan
Who are we?
Amar Bank is one of the most technologically advanced digital banks in Indonesia. Our leadingdigital lending product, Tunaiku has the distinction of being the first FinTech product inIndonesia. We are also the first digital bank on the cloud. As the first profitable digital bank, wemanaged 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 combinecustomer focus principles with creating technology-based impact. We incorporate freedom andflexibility as part of our startup working culture DNA to encourage innovation in creating betterfinancial solutions for the banking industry. We think of ourselves as, ‘A technology companywith 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), thebank 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 thecountry'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 timeof 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 havefun at the workplace! We provide a great working environment that pushes people to growoutside their comfort zone. People with high drive and ambition find us a very attractive place towork as their career growth matches their own drive and not any staid policies. Thus we holdthe honor of being awarded “Best Place to Work in Indonesia”.
Recently Amar Bank was awarded as Inspirational Brand from APEA (Asia Pacific EnterpriseAwards) 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 ourjourney to ‘Impact Lives’.
Join us today and create #unlimitedinnovations!
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.
Amar Bank is one of the most technologically advanced digital banks in Indonesia. Our leadingdigital lending product, Tunaiku has the distinction of being the first FinTech product inIndonesia. We are also the first digital bank on the cloud. As the first profitable digital bank, wemanaged 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 combinecustomer focus principles with creating technology-based impact. We incorporate freedom andflexibility as part of our startup working culture DNA to encourage innovation in creating betterfinancial solutions for the banking industry. We think of ourselves as, ‘A technology companywith 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), thebank 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 thecountry'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 timeof 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 havefun at the workplace! We provide a great working environment that pushes people to growoutside their comfort zone. People with high drive and ambition find us a very attractive place towork as their career growth matches their own drive and not any staid policies. Thus we holdthe honor of being awarded “Best Place to Work in Indonesia”.
Recently Amar Bank was awarded as Inspirational Brand from APEA (Asia Pacific EnterpriseAwards) 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 ourjourney 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
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.
