Job Description
- Portfolio Monitoring: Analyze credit portfolio performance (NPLs, delinquency rates, vintage analysis, roll rates) and prepare periodic risk trend reports.
- Data Exploration & Insight Generation: Conduct deep-dive analysis into customer behavior and credit data to identify risk patterns, anomalies, and opportunities.
- Policy & Strategy Recommendations: Provide data-driven recommendations for adjustments to credit policies (e.g., cut-off scores, credit limits, pricing strategies).
- Reporting & Dashboarding: Create, maintain, and automate dashboards using BI tools to monitor risk KPIs for stakeholders (Risk, Product, Business).
- Cross-functional Collaboration: Support Risk Modelers/Data Scientists in the implementation and monitoring of credit scoring models.
Requirements
- Minimum bachelor’s degree in Statistics, Mathematics, Actuarial Science, Economics, Industrial Engineering, Computer Science, or another quantitative field.
- Minimum 2 years of experience in Data Analytics, Risk Management, or Credit Scoring in the Banking, Fintech Lending, or Multifinance industries.
- Highly proficient in SQL (mandatory) for complex data manipulation, querying, and extraction.
- Familiarity with Python or R (especially libraries such as Pandas, Scikit-learn, and XGBoost).
- Proficient in creating dashboards using Superset, Tableau, PowerBI, or Metabase.Advanced level (VBA, Power Query, advanced Pivot Tables).
- Ability to translate complex data and numbers into actionable business strategies and risk policies.
- Strong problem-solving skills with a keen eye for detail and data anomalies.
- Ability to clearly explain data insights and risk trends to non-technical stakeholders.
Tips Menjaga Diri
Perusahaan dan Lowongan di Dealls tidak meminta data pribadi, informasi rekening, atau pungutan ketika melamar. Hindari juga lowongan Google Form / Grup Telegram tanpa keabsahan yang jelas.
Akulaku is a leading banking and digital finance platform in Southeast Asia, with a presence in Indonesia, the Philippines, and Malaysia. Akulaku exists to help meet the daily financial needs of underserved customers in emerging markets through digital banking, digital financing, digital investment, and insurance brokerage services.
In addition to the Akulaku virtual credit card and ecommerce platform, the company operates Asetku, an online wealth management platform and Neobank, a mobile digital bank supported by Bank Neo Commerce. Akulaku’s mission is to serve 50 million users across Southeast Asia by the year 2025.
