Credit Analyst
Infinid Indonesia
- Penuh waktu
- On-site • Jakarta Selatan
- Negotiable
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Deskripsi Pekerjaan
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!
Key Responsibilities:
- Application Review & Verification:
- 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.
- Field & Business Assessment:
- Perform site visits to assess business operations of entrepreneurs and small business loan applicants.
- Gather additional data proactively to support credit decision-making.
- Credit Analysis & Risk Assessment:
- Prepare detailed credit memos outlining risks, customer income, repayment capacity, and loan purposes.
- Analyze business transactions, where available, to strengthen loan assessments.
- Collaboration & Continuous Improvement:
- 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.
- Market Awareness:
- Stay updated on current events, emerging industries, market risks, and compliance requirements to inform credit decisions.
Kualifikasi
- Bachelor’s degree from a reputable university.
- Minimum 2 years of experience as a Credit Analyst in KBMI III (Bank DKI, Bank Permata, Bank BTN, etc.) or KBMI IV banks (Bank Mandiri, Bank BCA, Bank BNI, Bank BRI), 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.
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infinID is a fintech company, building secured lending platform, specialized in loan against property. We help the underserved middle-class homeowners in Indonesia to access low-interest rate loans based on their property value for both productive and consumptive uses. We work with selected banks to disburse the loans to the borrowers, while Infinid manages the end-to-end credit process, including origination & servicing.
