Credit Analyst

South Jakarta, Indonesia | Posted on 09/27/2024

We are looking for an experienced Credit Analyst to join our Risks team. In this role, you will verify customer applications and prepare comprehensive credit proposals. If you have a background in KBMI III or IV banks, with experience in Micro & SME loans, and are excited to be part of a growing fintech company, this role is for you!

• Assess customer applications based on submitted documents and third-party verification results.
• Conduct interviews with potential borrowers to evaluate their character, financial capacity, and other key factors.

• Perform site visits to assess business operations of entrepreneurs and small business loan applicants.
• Gather additional data proactively to support credit decision-making.

• Prepare detailed credit memos outlining risks, customer income, repayment capacity, and loan purposes.
• Analyze business transactions, where available, to strengthen loan assessments.
• Work closely with sales, collections, partnerships, operations, and product teams to streamline processes.
• Contribute to ongoing improvements in the origination process, loan products, and use of technology.
• Stay updated on current events, emerging industries, market risks, and compliance requirements to inform credit decisions.

• Bachelor’s degree from a reputable university.
• Minimum 2 years of experience as a Credit Analyst in KBMI III or IV banks, focused on secured lending products (e.g., mortgage, multipurpose loans, business loans using property as collateral).
• Experience in Micro and SME loans is a significant advantage.
• Experience as an Account Officer is a plus.
• Strong analytical and quantitative skills with attention to detail.
• Ability to thrive in a fast-paced, entrepreneurial environment, working with cross-functional teams.