Retail Credit Risk Policy, SeaBank
Sekilas tentang pekerjaan ini
Retail Credit Risk Policy di SeaBank Indonesia bertanggung jawab mengembangkan strategi, kebijakan, dan sistem pengelolaan risiko kredit untuk produk pinjaman. Posisi ini ditujukan bagi kandidat dengan pengalaman minimal tiga tahun di perbankan atau jasa keuangan, khususnya manajemen risiko kredit.
Tugas utama
- Mengembangkan strategi risiko kredit dan mengintegrasikannya ke sistem pengelolaan risiko.
- Merancang fungsi sistem inti untuk mendukung inisiatif risiko strategis.
- Mengidentifikasi, mengukur, dan memantau risiko kredit pada produk pinjaman.
- Menganalisis data untuk mendukung penyusunan kebijakan produk pinjaman.
- Mengoordinasikan penerapan strategi dan kebijakan risiko kredit lintas unit bisnis.
Kualifikasi utama
- Minimal sarjana Ilmu Komputer, Teknik, Sistem Informasi, Matematika, atau Statistika.
- Pengalaman minimal tiga tahun di perbankan atau jasa keuangan, khususnya manajemen risiko kredit.
- Memahami ketentuan BI, OJK, dan peraturan terkait kegiatan usaha bank.
- Memiliki pengetahuan tentang manajemen risiko, khususnya risiko kredit.
- Menguasai SQL, Python, Microsoft Office tingkat lanjut, serta keterampilan analitis dan komunikasi.
Ringkasan ini dibuat dengan AI dari deskripsi di bawah. Yang berlaku adalah deskripsi lengkapnya di situs SeaBank Indonesia.
Deskripsi pekerjaan
- Develop and execute credit risk strategies integrated into the core credit risk management system
- Design and develop core system functionality within credit risk management systems to support strategic risk initiatives.
- Identify credit risks across bank lending products, both commercial and retail lending
- Measure credit risk and evaluate both the probability and potential impact of identified exposure.
- Monitor key credit risk indicators routinely and recommend targeted mitigation and control actions.
- Perform data analytics to support the development of lending product policies.
- Formulate and propose strategic policies and frameworks for lending product
- Drive the cross-functional execution of credit risk strategies and policies across relevant business units.
- Upgrade risk measurement systems in response to shifts in bank operations, new products, transactional changes, and emerging risk factors.
- Proficient in drafting policies, SOPs, and memos related to credit risk strategy.
Requirements
- Minimum bachelor’s degree in Computer Science, Engineering, Information System, Mathematic and Statistic
- Minimum 3 years of experience in banking or financial services industry, especially in risk management functions especially related to credit
- Master the provisions of BI, OJK, and applicable laws and regulations related to Bank business activities
- Have knowledge in the field of risk management, especially credit risk
- Familiar with programming languages, such as SQL, python, and advanced Microsoft Office skills (e.g., Excel and PowerPoint)
- Have strong communication and interpersonal skills
- Have good analytical and problem solving skills
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