At Kredivo we are building the future of financial services that are fast, cheap and widely accessible, wrapped up in a beautiful UI/UX. As we are growing bigger, we are looking for young and passionate individual with data-oriented decision mindset to be an integral part of Risk & Analytics Team. We are looking for a Senior Executive for our Portfolio Risk & Analytics team. Our team within Kredivo is responsible to set benchmark of risk appetite, set benchmark on desired minimum profitability and identify portfolio segments that need pruning/no action/further growth. This opportunity will ensure a fast paced and a highly rewarding career.
About the Job
This is an Individual Contributor Role and you will leverage the data to identify key credit risk indicators and potential risk factors within the loan authorization process and provide actionable insight to the middle management team to mitigate the potential risk that may arise. The day-to-day tasks can include the following (but not limited to):
1. Understand, document and execute the existing loan authorization process
2. Assess the impact of all portfolio actions and suggest changes to loan disbursal risk criteria
3. Monitor the overall portfolio of Kredivo products w.r.t. key risk indicators like early warnings on repayment behaviour, flow rates, 90+ DPD losses, revenue and loss coverage, profitability etc.
4. Create ad-hoc reports and work on analysis to aid management on risk decisions
5. Work on ensuring the best practices for reporting and analytics are institutionalized in the team
6. Timely review on key risk indicators and identify potential risk factors if any
7. Setting up early warning triggers for different segments of the portfolio
About you
1. Minimum 2-3 years’ experience as Risk Analyst, MIS analyst or data analyst
2. Bachelor’s degree with GPA minimum 3.0 (out of 4.0)
3. English conversational proficiency is a must
4. Strong working knowledge of SQL and Excel is a must
5. Strong Analytical skills, high comfort with numbers and ability to put attention to details as demonstrated from previous work experience / projects
6. Comfortable working independently in a dynamic and fast-paced environment
7. Basic programming skills in Python is preferred but not mandatory
#LI-FD1
Skills Required
- Minimum 2-3 years' experience as Risk Analyst, MIS analyst or data analyst
- Bachelor's degree with GPA minimum 3.0 (out of 4.0)
- English conversational proficiency
- Strong working knowledge of SQL
- Strong working knowledge of Excel
- Strong analytical skills and attention to detail
- Comfortable working independently in a dynamic and fast-paced environment
- Basic programming skills in Python
What We Do
Kredivo Group is Southeast Asia’s leading provider of digital financial services through its brands Kredivo, KrediFazz and Krom. Kredivo is the leading digital credit platform in Indonesia and Vietnam that gives customers instant credit financing for ecommerce and offline purchases, and personal loans, based on real-time decisioning. Kredivo users can buy now and pay later across the entirety of Indonesia’s retail commerce network with one of the lowest interest rates amongst digital credit providers in the country. Krom Bank Indonesia (formerly known as Bank Bisnis Internasional, IDX: BBSI) is the group’s bank entity and the operator of the Indonesian neobank Krom. Kredivo Group is backed by leading financial and strategic investors such as Mizuho Financial Group, Square Peg Capital, Jungle Ventures, Naver Corp, Mirae Asset, Telkom Indonesia and Victory Park Capital among others
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