Risk Management Officer
Amar Bank · Jakarta
Sekilas tentang pekerjaan ini
Amar Bank mencari Risk Management Officer untuk mengelola risiko perbankan, termasuk peninjauan kredit, pelaporan, pengujian, dan perhitungan risiko. Posisi ini berlokasi di Jakarta dan ditujukan bagi kandidat dengan pengalaman relevan 3–5 tahun di sektor perbankan.
Tugas utama
- Meninjau proses pemberian kredit dan analisis kredit untuk MSME serta perbankan komersial dan korporasi.
- Menyiapkan laporan kesehatan bank, ICAAP, profil risiko bank, dan laporan regulasi lainnya.
- Melakukan validasi scoring kredit Tunaiku melalui backtesting.
- Menghitung risiko pasar dan likuiditas, termasuk LCR, NSFR, IRRBB, dan RWA.
- Memperbarui Risk Appetite dan Risk Tolerance serta memantau tindak lanjut manajemen risiko.
Kualifikasi utama
- Sarjana di bidang Keuangan, Akuntansi, Ekonomi, Administrasi Bisnis, Matematika Terapan, Statistik, atau bidang kuantitatif terkait.
- Pengalaman relevan 3–5 tahun di manajemen risiko perbankan, risiko pasar, risiko likuiditas, atau ERM.
- Memahami regulasi OJK terkait TKB, ICAAP, ILAAP, dan perhitungan RWA risiko pasar.
- Berpengalaman dalam stress testing makroekonomi dan validasi atau backtesting model credit scoring.
- Menguasai pemodelan keuangan, analisis data kuantitatif, dan Excel tingkat lanjut.
Ringkasan ini dibuat dengan AI dari deskripsi di bawah. Yang berlaku adalah deskripsi lengkapnya di situs Amar Bank.
Deskripsi pekerjaan
Who are we?
Amar Bank is one of the most technologically advanced digital banks in Indonesia. Our leading
digital lending product, Tunaiku has the distinction of being the first FinTech product in
Indonesia. We are also the first digital bank on the cloud. As the first profitable digital bank, we
managed to get listed on the Indonesian Stock Exchange.
How did we manage to do that?
We are changing people’s perception of a bank. We believe we are the innovators who combine
customer focus principles with creating technology-based impact. We incorporate freedom and
flexibility as part of our startup working culture DNA to encourage innovation in creating better
financial solutions for the banking industry. We think of ourselves as, ‘A technology company
with a banking license’. For this reason, we ‘Act like a FinTech, and think like a Bank.’
How did it all start?
Founded on March 15, 1991, in Surabaya as PT Anglomas International Bank (Amin Bank), the
bank was acquired by Tolaram Group and transformed to PT Bank Amar Indonesia (Amar Bank)
in 2014. It has then undergone a significant digital transformation to become one of the
country's forerunning fintech institutions through its award-winning digital lending platform,
Tunaiku.
Our philosophy, mission, and vision
Technology must impact lives, must improve lives. We exist to provide banking to those who
‘need’ and not only to those who ‘want’. Services when provided to those who need at the time
of their need brings smiles. Our vision is to bring 200 million smiles.
More about the bank with startup culture environment
Consist of 1000+ people, you will meet people who love to grow, dream big, and actually have
fun at the workplace! We provide a great working environment that pushes people to grow
outside their comfort zone. People with high drive and ambition find us a very attractive place to
work as their career growth matches their own drive and not any staid policies. Thus we hold
the honor of being awarded “Best Place to Work in Indonesia”.
Recently Amar Bank was awarded as Inspirational Brand from APEA (Asia Pacific Enterprise
Awards) 2022. Of course, our innovation won't stop here. So if you would love to be a part of it,
have a growth mindset, and are constantly hungry for challenges, we invite you to join us in our
journey to ‘Impact Lives’.
Join us today and create #unlimitedinnovations!
About the position
Responsible for banking risk management, including reviewing credit processes and analysis, preparing regulatory reports and bank risk profiles, stress testing, scoring validation, calculating market and funding risks, and monitoring the implementation of policies and risk management follow-ups.
Responsibilities
- Update the Risk Appetite & Risk Tolerance through Board of Directors Decrees (SK Direksi) and conduct studies using historical data.
- Responsible for reviewing the credit granting process and credit analysis for both MSME and Commercial & Corporate Banking.
- Prepare the Bank Health Level Report (Tingkat Kesehatan Bank - TKB).
- Prepare the Internal Capital Adequacy Assessment Process (ICAAP) report / Bank Minimum Capital Requirement.
- Responsible for performing score validation for Tunaiku credit scoring through backtesting processes.
- Responsible to calculate market and liquidity stress test, Liquidity Coverage Ratio (LCR), Net Stable Funding Ratio (NSFR) and Interest Rate Risk in the Banking Book (IRRBB)
- Prepare the Bank Risk Profile Report.
- Calculate Risk-Weighted Assets (RWA / ATMR) for Market Risk.
- Monitor the maximum limit allocation for Tunaiku (credit limits > IDR 30 Million).
- Calculate the funding profile via the Internal Liquidity Adequacy Assessment Process (ILAAP).
- Accountable for the overall Risk Management Function activities assigned under his responsibility.
Requirements
- Bachelor's degree (S1) in Finance, Accounting, Economics, Business Administration, Applied Mathematics, Statistics, or a related quantitative field.
- Minimum 3-5 years of relevant experience in Banking Risk Management, Market Risk, Liquidity Risk, or Enterprise Risk Management (ERM) in the banking sector.
- Strong working knowledge of OJK regulations regarding Bank Risk Profile (TKB), ICAAP, ILAAP, and Market Risk RWA (ATMR) calculations.
- Experience in conducting Macroeconomic Stress Testing and credit scoring model validation/backtesting.
- Solid background in reviewing credit analysis and processes for MSME and Commercial/Corporate banking facilities.
- Proficiency in financial modeling, quantitative data analysis, and advanced Excel skills.
Bonus point if
- Holds relevant risk management certifications
- Prior experience working with digital lending products, fintech credit risk models, or retail credit products.