Develop and implement credit strategies and credit acceptance policies which are consistent with the products and targeted customer segments using extensive quantitative analysis in identification of risks and opportunities. Work with senior management to develop the credit policy that is aligned with product, big data, and technology road maps to grow the company from a startup to a dominant regional player Develop, validate, and continue to refine and update quantitative risk scoring models that are effective and are based on big data to better predict customer behavior Work with product management, credit approval and credit collections teams to ensure that the products launched achieve the optimal risk-reward outcomes with the appropriate fraud identification, fraud prevention and income verification systems and procedures based on various data sources in place Monitor the credit performance on a regular basis by creating and producing business and portfolio MIS reports, including acquisition data, performance monitoring, collections performance and fraud analysis for management review Continuously improve credit policy based on monitoring results and deploy various testing required to improve the policy, scoring and general risk and product strategies Work with senior management to develop new products, expand to new customer segments or other initiatives. Define acceptable risk thresholds and measures to monitor the progress and performance results of the overall project and loan portfolio Work with technology and data streams to ensure better quality of credit policy

Bachelor’s degree At least 5 years of work experience, preferably in credit risk policy or credit risk approval role for consumer lending or financing businesses in Indonesia Previous experience in a Fintech lending risk management is a plus Demonstrated analytical experience and sound business judgment. General understanding of the retail financial services industry, especially lending products Good knowledge of SAS, SQL or other statistical tools Strong leadership abilities and experience in managing and coordinating across credit functions and working with product teams Infuse passion and excitement for the product when communicating with teams in order to inspire and excite other team members Well-rounded individual who has a passion and curiosity to learn across different departments and fields Results and goal oriented with a track record of achieving KPIs and targets on time in a high growth, fast-paced environment Team player who is innovative, flexible and willing to learn in a dynamic working environment Ability to multi-task – the candidate should be comfortable taking on a variety of projects that may fall outside of their day-to-day responsibilities. Strong verbal and written communication skills in Bahasa Indonesia and English