Overview
Digital Credit Risk Jobs in Jakarta Metropolitan Area at PT Bank Multiarta Sentosa Tbk (Bank MAS)
Title: Digital Credit Risk
Company: PT Bank Multiarta Sentosa Tbk (Bank MAS)
Location: Jakarta Metropolitan Area
Credit Risk Officer / Digital Credit Risk Officer
Job Description
We are looking for a Credit Risk Officer to support the development and implementation of credit risk policies, procedures, and controls. This role will be responsible for ensuring credit processes are aligned with the Bank’s risk appetite, regulatory requirements, and business objectives.
Key Responsibilities :
- Develop, review, and maintain Credit Policies, SOPs, and credit-related procedures.
- Ensure credit policies and processes comply with internal guidelines and regulatory requirements.
- Assess and analyze credit risk exposures and recommend appropriate risk mitigation measures.
- Monitor portfolio performance and identify emerging credit risk trends.
- Collaborate with Business, Operations, Collection, Compliance, and other stakeholders to improve credit processes and controls.
- Support the enhancement of digital lending processes and credit risk frameworks.
- Prepare risk reports, policy papers, and documentation for management review.
Requirements :
- Bachelor’s degree in Finance, Economics, Accounting, Statistics, Mathematics, Engineering, or a related field.
- Minimum 3–5 years of experience in Credit Risk, Credit Policy, Risk Management, or Digital Lending within the banking or financial services industry.
- Hands-on experience in developing or reviewing Credit Policies, SOPs, and credit-related procedures.
- Strong understanding of end-to-end credit processes, including underwriting, portfolio monitoring, and collections.
- Good understanding of credit risk management principles and banking regulations.
- Strong analytical, problem-solving, and communication skills.
- Experience in digital banking or digital lending products is an advantage.
Preferred Qualifications
- Experience in consumer lending, retail banking, or unsecured lending products.
- Familiarity with portfolio analytics, risk reporting, and policy governance.
- Professional risk management certification is a plus.
