Credit Risk Manager
Akulaku Indonesia
- Penuh waktu
- On-site • Jakarta
- Rp30.000.000 – 40.000.000
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Deskripsi Pekerjaan
- Oversee all BNPL credit risk operations (online & offline), including underwriting, screening, and approval processes
- Develop, review, and implement BNPL credit policies aligned with company risk appetite; optimize data-driven credit strategies (rule-based & scorecards)
- Track and manage portfolio performance (FPD, NPL, vintage analysis, roll rate) and create action plans to maintain credit quality
- Work closely with Risk, Collections, Fraud, Data, and Product teams, and coordinate with senior management (BOD) and external vendors
- Ensure full compliance with Otoritas Jasa Keuangan (OJK) regulations, prepare relevant documentation
- Lead, coach, and develop the credit team, including performance management and KPI review
Kualifikasi
- Bachelor’s degree in a relevant field (e.g., Economics, Finance, Accounting, Statistics, Engineering)
- 5 - 8 years in credit roles within banking (retail/digital), multifinance, or fintech/P2P lending, including at least 3 years in Assistant Manager/Manager level
- Solid understanding of credit processes including screening, scoring, underwriting, credit modeling, and risk-based pricing
- Strong experience managing consumer lending portfolios (unsecured loans, BNPL), developing and implementing credit policies, and monitoring portfolio quality (FPD, NPL, vintage analysis)
- Professional certifications (SPPI, Risk Management, BSMR, Data Analytics) are a plus
- In-depth understanding of Otoritas Jasa Keuangan (OJK) regulations and strong awareness of evolving digital lending trends in Indonesia
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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.
