Responsibilities:
• Assess and monitor risks related to Earned Wage Access (EWA) transactions and customer portfolios.
• Develop and maintain risk scoring models, focusing on employee repayment capacity.
• Monitor usage data to detect abnormal patterns, fraud, or misuse.
• Prepare risk assessment reports and recommend mitigation measures.
• Collaborate with operations, finance, and product teams to design safer workflows.
• Assist in collection process with employers when needed.
Requirements:
• Bachelor's degree in Finance, Risk Management, Statistics, or related field.
• 2+ years experience in risk management, credit assessment, or compliance (preferably in fintech, lending, or payroll financing).
• Strong analytical skills, comfortable with large datasets and Excel/BI tools.
• Good understanding of Indonesian financial regulations and compliance frameworks.
• Attention to detail, problem-solving mindset, and ability to work independently.
• Proficiency in Bahasa Indonesia and English.