Key Responsibilities:
Credit Scoring & Underwriting Support
- Build and maintain credit scoring models using SQL, Python, and ML techniques.
- Support credit policy formulation with data-driven recommendations.
- Explore new alternate data sources, run POC experiments, and measure portfolio impact.
Portfolio Monitoring & Reporting
- Analyze delinquency, loss trends, and portfolio quality.
- Prepare monthly portfolio reports and insights for management and bank partners.
- Highlight early risk signals and recommend corrective actions.
Collaboration & Governance
- Coordinate with Risk, Finance, Compliance, and Tech for regulatory alignment and reporting.
- Support OJK and partner audits with data, analysis, and presentations.
- Manage multiple counterparts in a multi-license environment (lending, e-wallet/PJP, aggregator).
Requirements:
- Bachelor's/Master's degree in Finance, Mathematics or related field.
- 3–5 years experience in data science, credit scoring model development, portfolio analytics, or credit risk management, ideally in fintech or retail banking. Exposure to OJK/regulatory audits and multi-entity collaboration is preferred.
- Strong SQL & Python skills
- Statistical modelling and ML knowledge.
- Experience with portfolio reporting and impact analysis.
- Familiarity with OJK credit risk requirements.
- Willing to be placed in South Jakarta.