Credit Analyst Lead SME Financing
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Job Location:
Jakarta Selatan - Indonesia
Monthly Salary:
Not Disclosed
Posted on:
15 hours ago
Vacancies:
1 Vacancy
Job Summary
- Leadend-to-end credit underwriting process for property-secured SME and individual loans.
- Ensure accurate borrower assessment (5Cs DSR/DBR LTV income validation collateral verification legal checks).
- Review and approve high-value or complex transactions within delegated authority limits.
- Ensure all underwriting complies with OJK Rules and internal risk appetite.
- Collaborate with the Risk Team to refine product credit criteria scoring models and etc.
- Lead train and develop a team of Credit Analysts and Underwriting Officers.
- Establish SLA-driven underwriting workflows with strong quality control and turnaround time (TAT) monitoring.
- Coordinate with Appraisal Legal Credit Operations and Sales teams to ensure seamless handover and compliance.
- Act as a voting member in the Credit Committee for large or exceptional exposures.
- Review risk exceptions mitigants and escalation cases objectively and consistently.
- Maintain audit-ready documentation for all approved/rejected cases.
- Continuously improve underwriting standards and efficiency
- Identify recurring portfolio risk patterns and propose structural or procedural mitigations.
- Work closely with Risk Policy Portfolio and BI teams to monitor early-warning signals (DPD NPL breach rate).
Requirements
- Bachelors degree (Masters preferred) in Finance Accounting Economics or related field.
- Minimum 810 years of experience in credit underwriting or risk management in multifinance commercial/sme banking or fintech.
- Strong understanding of property valuation legal collateral documentation and credit structuring.
- Deep knowledge of OJK multifinance regulations and risk governance principles.
- Proven leadership experience managing a credit team.
- Analytical thinker with attention to detail and the ability to balance growth with prudence.
- Excellent communication negotiation and stakeholder-management skill.
About Moladin
Moladin is Indonesias leading mobility fintech platform with end to end financing solutions for all players in the used car and EV ecosystem. Moladin empowers its rapidly growing network of more than 26000 active used car agents and dealer MSMEs and provides used car consumers with better financing access through digitized loan underwriting. This is supported by its strong used car capabilities with branches and warehouses covering more than 100 cities industry-leading AI / IoT and partnerships with all top auto financing companies across Indonesia and also through its OJK-regulated multi-finance company PT Moladin Finance Indonesia. Moladins vision is to be a positive driving force in the physical and social mobility of all the people it touches (Mobility for all).
For further information about Moladin please visit
Required Experience:
Senior IC
Key Skills
- Financial Statement Preparation
- Credit Analysis
- Cash Flow Analysis
- Math
- Banking
- Analysis Skills
- UCC Law
- Underwriting
- Financial Analysis
- Financial Modeling
- Financial Report Interpretation
- Word Processing
About Company
Temukan mobil baru impian dengan DP murah & cicilan ringan. Daftar jadi Agen Moladin untuk mendapatkan penghasilan tambahan. Atau dapatkan dana talangan untuk modal usaha di Moladin Dealer. Semua tersedia hanya di Moladin.
