Amartha is a technology company focused on creating shared prosperity by developing digital financial solutions for the grassroots economy. Founded in 2010 as a microfinance institution, Amartha connects rural, women-led micro-enterprises with affordable capital. Amartha is expanding as a tech company, building a microfinance ecosystem that connects to the growing digital economy through capital, investment, and payment services. By boosting the competitiveness of micro and small entrepreneurs, Amartha empowers women-led MSMEs, creates jobs, and fosters inclusive economic growth.
About the team
Amartha is actively expanding its digital risk management team as part of our strategic commitment to digital transformation in 2025. We aim to enhance our capabilities in managing digital lending risks to support the growth of our digital financial product portfolio. To that end, we are seeking a highly skilled Risk Modelling Analyst to join our team. This role will be instrumental in supporting risk management strategies for our digital lending platforms by developing robust forecasting models. The ideal candidate will contribute to ensuring that we continue delivering secure, data-driven, and effective financial solutions to our customers.
Roles and Responsibilities
- Design, implement, and validate statistical models to forecast credit risk, default probabilities, and other key risk metrics for digital lending products.
- Analyze large datasets to identify risk patterns and trends; extract, transform, and engineer features to enhance model performance.
- Continuously monitor the credit performance of lending portfolios and identify emerging risks using predictive analytics and model-driven insights.
- Conduct back-testing and validation of risk models to ensure accuracy and compliance with internal policies and regulatory standards.
- Perform scenario analyses to evaluate the potential impact of macroeconomic and portfolio-specific factors on credit risk.
- Work closely with Product, Data, Technology, and Risk Strategy teams to ensure models are effectively integrated into digital lending platforms and decision engines.
- Support regulatory reporting and audits by ensuring risk models meet internal governance standards and external regulatory requirements.
- Maintain comprehensive model documentation, including methodologies, assumptions, and limitations; prepare clear reports and presentations for both technical and non-technical stakeholders.
- Stay updated on industry best practices, modeling techniques, and regulatory changes to continually enhance risk modeling frameworks.
- Ensure adherence to model governance frameworks, including version control, change management, and risk control processes.
- Minimum 3–5 years of relevant experience in risk modeling, credit analytics, or a similar quantitative risk role.
- Bachelor’s or Master’s degree in Statistics, Mathematics, Data Science, Economics, Finance, or a related quantitative field.
- Strong proficiency in statistical modeling and machine learning techniques (e.g., logistic regression, random forest, etc.).
- Solid understanding of credit risk principles, including PD/LGD modeling (IFRS9, PSAK71), and portfolio risk management.
- Ability to design, validate, and optimize models based on business goals and risk appetite.
- Have analytical skills (moderate to advanced level using SQL) especially on forecast analysis, risk performance.
- Experience in digital lending, consumer finance, or fintech risk environments is highly desirable.
- Python skill is required.
- Fluent in both Bahasa Indonesia and English.
At Amartha, we are dedicated to creating a workplace that celebrates diversity, ensures equity, and fosters inclusion. We believe that diverse perspectives—shaped by factors such as gender, age, race, ethnicity, education, culture, and life experiences—drive innovation and growth.
We actively welcome individuals from all backgrounds to join us in building an environment where everyone feels respected, valued, and empowered. Our commitment is to provide equal opportunities and foster a sense of belonging that enables our employees to thrive and make meaningful contributions.
Similar Jobs
What We Do
We are a prosperity platform company to harmoniously build a strong economy from the grassroots in order to realize the grassroots communities of technology equity, inclusiveness and sustainability.
We believe prosperity platform is the right solution to deliver high quality digital financial services and to bridge the gap that brings shared prosperity to the World.
Amartha’s Team are highly compassionate people who are impatient to deliver their impacts to alleviate the sufferings of others.
Working at Amartha means you are part of dynamic and compassionate team who make impact on daily basis. It means you sign up for a high-paced environment where everyone is taking part in achieving success and make other people happier.
It also means you wake up every single day energized, and excited of what’s next to be done to help Indonesia and the world a more equitable and prosperous place to live for everyone.
It means you feel special, as whatever you do with Amartha makes a dent in the universe, healing the world a day at a time.
Working at Amartha means you are ready to help and alleviate each other, contribute your best with empathy and passion. As we go long miles, you need a team to achieve your success.
Working at Amartha means you have made a conscious choice to embark on a journey to creating a less painful world. A journey that makes you feel good, that you have contributed to a meaningful work every single day.
Join our impact mission! Check our career page now👉🏼 https://careers.amartha.com/
