Credit Analyst

Our client is a leading player in consultancy and financial technology, uniquely positioned to serve the Asia-Pacific region with a focus on distressed assets. Leveraging state-of-the-art technology and a robust platform, our client provides specialized services in loan consolidation and refinancing, tailored to meet the distinct needs of both consumers and businesses. By drawing on strong partnerships and deep industry expertise, they are committed to reducing the distressed asset market, fostering recovery, and driving growth. With a client-centric approach, they offer personalized solutions to address specific financial challenges and goals. Currently operating in stealth mode, our client plans to emerge from this phase post-2024, making this an exciting time to join their innovative journey.

Position Summary:

Our Client is looking for a detail-oriented and experienced Credit Analyst with 2-3 years of experience in unsecured consumer lending. The ideal candidate will have a strong understanding of analyzing consumer bureau reports, bank statements, and KYC (Know Your Customer) documents. The Credit Analyst will be responsible for assessing the creditworthiness of applicants, ensuring compliance with company policies, and minimizing risk while maximizing profitability.

What Will You Do?

1. Credit Assessment:
   1. Analyze consumer credit bureau reports to evaluate applicants' credit history, repayment behavior, and risk factors.
   2. Review and interpret bank statements to assess income stability, expenditure patterns, and financial health.
   3. Verify KYC documents to ensure authenticity and compliance with regulatory requirements.
   4. Conduct in-depth financial analysis and risk assessments for loan applications for borrowers.
   5. Evaluate loan applications and make informed credit decisions within the company's risk appetite.
   6. Identify potential risks and recommend mitigation strategies.
   7. Monitor and report on key risk indicators and trends in the unsecured lending portfolio.
   8. Ensure adherence to credit policies, procedures, and regulatory guidelines.
   9. Collaborate with the Credit Risk Manager to develop and implement risk management strategies.
2. Communication and Collaboration:
   1. Communicate credit decisions and rationale to internal stakeholders.
   2. Liaise with sales, collections, and other departments to gather relevant information and insights.
   3. Provide recommendations for improving the credit assessment process and tools.
3. Documentation and Reporting:
   1. Maintain accurate and comprehensive records of all credit assessments and decisions using LMS and other tools.
   2. Prepare regular reports on credit assessment activities, outcomes, and portfolio performance.
   3. Assist in the preparation of management reports and presentations.
   4. Stay updated on industry trends, regulatory changes, and best practices in credit risk management.
   5. Participate in training programs and professional development activities.
   6. Contribute to the development and enhancement of credit assessment models and tools.

Requirements:

• Bachelor's degree in Finance, Accounting, Economics, or a related field.
• Proficient in Bahasa and English.
• 2-3 years of experience in credit analysis in unsecured consumer lending.
• Experience with credit analysis software, tools, and credit scoring models.
• Proficiency in analyzing consumer bureau reports and bank statements.
• Strong understanding of KYC regulations and document verification processes.
• Attention to detail and accuracy in work.
• Ability to handle multiple tasks and prioritize effectively.
• Strong communication and interpersonal skills with an ability to work independently and as part of a team.
• Proficiency in MS Office Suite, particularly Excel and financial analysis tools.
• A strong personality who likes to build things from scratch, prioritizes learning, and wants to grow sustainably (not hyper-growth) by assuming significant responsibility.