Credit Risk Manager

Job Responsibilities:

• Assess and analyze credit risk exposure for corporate, SME, or retail lending portfolios.
• Develop and implement credit risk policies, frameworks, and monitoring systems in compliance with PSAK 71, IFRS 9, and Basel III regulations.
• Conduct creditworthiness analysis for new and existing customers, ensuring proper risk mitigation strategies.
• Monitor loan portfolios to identify early warning signs of credit deterioration and propose necessary action plans.
• Collaborate with business units, finance, and regulatory teams to optimize risk-return balance while ensuring compliance.
• Prepare credit risk reports and presentations for senior management, regulators, and risk committees.
• Utilize data analytics to enhance credit risk modeling, stress testing, and scenario analysis.
• Support regulatory reporting and ensure adherence to local and international risk management standards (OJK, BI, IFRS, Basel).

Qualifications & Requirements:

• 5-10 years of experience in credit risk management, credit analysis, or a related function within banking, financial services, or consulting (Big 4 preferred).
• Strong understanding of credit risk frameworks, regulatory guidelines (Basel III, PSAK 71, IFRS 9), and risk assessment methodologies.
• Proficiency in financial statement analysis, credit scoring models, and stress testing.
• Hands-on experience with risk analytics tools such as SAS, Python, SQL, or similar platforms is a plus.
• Strong analytical, problem-solving, and communication skills.
• Bachelor's or Master’s degree in Finance, Accounting, Economics, Risk Management, or a related field. CFA, FRM, or CPA certification is a plus.