Kredivo is hiring a Senior Analyst - Risk Underwriting in Jakarta Office who help shape credit limit, approval and risk strategy for our consumer lending and paylater (BNPL) products. This position will report to the Underwriting Manager and will be accountable for optimising credit limits and approval thresholds while keeping portfolio risk within appetite.
In this role you will also be responsible for tracking key risk metrics such as FPD and DPD, and for designing and monitoring underwriting experiments, and supporting risk-based pricing and benchmarking our performance against the market using credit bureau data.
About the job:
- To optimise credit limits and approval thresholds as portfolio behaviour changes
- To track portfolio risk metrics such as FPDs, DPDs and vintages, and act early on deterioration
- To design, run and monitor underwriting and limit experiments (A/B, champion-challenger) and program revamps
- To support risk-based pricing decisions for our products
- To define and track risk appetite
- To work with Product, Data Science and other risk teams
About you:
- 3–5 years in credit risk, underwriting or risk analytics, ideally in consumer lending, BNPL, paylater or fintech
- Hands-on experience with credit limits, cut-offs, credit policy or underwriting rules, including running experiments
- Working knowledge of risk metrics (FPD, DPD, vintage) and risk-based pricing
- Strong SQL; Python is a plus
- Experience with credit bureau data is a plus
- Able to turn analysis into clear recommendations and own work end to end
If this sounds like you, we would love to hear from you!
#LI-AL1
Skills Required
- 3-5 years of experience in credit risk, underwriting, or risk analytics
- Experience in consumer lending, BNPL, paylater, or fintech
- Hands-on experience with credit limits, cutoffs, credit policy, or underwriting rules
- Experience running underwriting or limit experiments
- Working knowledge of FPD, DPD, vintage, and other risk metrics
- Working knowledge of risk-based pricing
- Strong SQL skills
- Python experience
- Experience with credit bureau data
- Ability to turn analysis into clear recommendations and own work end to end
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
