Senior Underwriting Analyst
Kredivo Group · Jakarta, ID
Sekilas tentang pekerjaan ini
Kredivo Group mencari Senior Analyst - Risk Underwriting untuk mengoptimalkan limit kredit dan strategi persetujuan produk consumer lending dan paylater (BNPL). Posisi di kantor Jakarta ini ditujukan bagi kandidat dengan pengalaman 3–5 tahun di credit risk, underwriting, atau risk analytics.
Tugas utama
- Mengoptimalkan limit kredit dan ambang persetujuan
- Memantau metrik risiko portofolio dan menindaklanjuti penurunan kinerja
- Merancang dan memantau eksperimen underwriting serta limit
- Mendukung keputusan penetapan harga berbasis risiko
- Berkolaborasi dengan tim Product, Data Science, dan risiko lainnya
Kualifikasi utama
- Pengalaman 3–5 tahun di credit risk, underwriting, atau risk analytics
- Pengalaman langsung dengan limit kredit, cut-off, kebijakan kredit, atau aturan underwriting
- Memahami metrik risiko FPD, DPD, vintage, dan penetapan harga berbasis risiko
- Menguasai SQL dan Tableu/Power BI
- Mampu mengubah analisis menjadi rekomendasi yang jelas dan menangani pekerjaan end-to-end
Ringkasan ini dibuat dengan AI dari deskripsi di bawah. Yang berlaku adalah deskripsi lengkapnya di situs Kredivo Group.
Deskripsi pekerjaan
Kredivo is hiring a
Senior Analyst - Risk Underwriting
in Jakarta Office who help shape credit limit, approval and risk strategy for our consumer lending and paylater (BNPL) products. This position will report to the
Underwriting Manager
and will be accountable for optimising credit limits and approval thresholds while keeping portfolio risk within appetite.
In this role you will also be responsible for tracking key risk metrics such as FPD and DPD, and for designing and monitoring underwriting experiments, and supporting risk-based pricing and benchmarking our performance against the market using credit bureau data.
About the job
- To optimise credit limits and approval thresholds as portfolio behaviour changes
- To track portfolio risk metrics such as FPDs, DPDs and vintages, and act early on deterioration
- To design, run and monitor underwriting and limit experiments (A/B, champion-challenger) and program revamps
- To support risk-based pricing decisions for our products
- To define and track risk appetite
- To work with Product, Data Science and other risk teams
About you
- 3–5 years in credit risk, underwriting or risk analytics, ideally in consumer lending, BNPL, paylater or fintech
- Hands-on experience with credit limits, cut-offs, credit policy or underwriting rules, including running experiments
- Working knowledge of risk metrics (FPD, DPD, vintage) and risk-based pricing
- Strong SQL & Tableu/Power BI (visualization tool); Python is a plus
- Experience with credit bureau data is a plus
- Able to turn analysis into clear recommendations and own work end to end
- If this sounds like you, we would love to hear from you!
- #LI-AL1