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:
The Underwriting Senior Lead is responsible for shaping and executing credit underwriting strategy to ensure balanced portfolio growth, risk control, and sustainable business performance. This role oversees underwriting standards, analytics-driven decision frameworks, and portfolio monitoring while collaborating closely with risk, product, and business teams to continuously improve credit quality and customer acquisition outcomes.
Responsibilities:
- Establish underwriting standards, decision frameworks, and exception governance to ensure consistent, compliant, and risk-aligned credit decision processes.
- Lead analytics and decision-making related to credit underwriting for both new and existing customers, using data insights to optimize approval quality and portfolio health.
- Monitor acquisition portfolio performance (e.g., approval rates, early delinquency trends) and continuously refine underwriting criteria to improve risk-return balance.
- Develop and maintain underwriting policies, scorecards, and risk models aligned with business growth targets and regulatory expectations.
- Collaborate with cross-functional teams (risk, product, data, and operations) to enhance underwriting tools, automation, and customer experience.
- Provide strategic insights and reporting to senior management on credit performance, emerging risks, and underwriting effectiveness.
- Mentor and lead the underwriting team to strengthen analytical capability, decision consistency, and governance discipline.
Requirements
- Bachelor’s degree in Finance, Economics, Statistics, Mathematics, Business, or a related field (Master’s degree is a plus).
- 10+ years of experience in credit underwriting, risk analytics, or credit policy roles, with leadership exposure preferred.
- Proven experience in the financial services industry (banking, fintech, lending, or financial institutions) is strongly preferred.
- Strong analytical skills with the ability to interpret credit data, portfolio performance metrics, and risk trends to support decision-making.
- Experience developing underwriting frameworks, credit policies, scorecards, or decision strategies.
- Solid understanding of credit risk management, portfolio monitoring, and regulatory compliance practices.
- Strong stakeholder management, communication, and leadership skills with the ability to collaborate cross-functionally.
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.
Skills Required
- Bachelor's degree in Finance, Economics, Statistics, Mathematics, Business, or related field
- Master's degree
- 10+ years of experience in credit underwriting, risk analytics, or credit policy roles
- Leadership exposure or experience managing teams
- Proven experience in the financial services industry (banking, fintech, lending, or financial institutions)
- Strong analytical skills to interpret credit data, portfolio performance metrics, and risk trends
- Experience developing underwriting frameworks, credit policies, scorecards, or decision strategies
- Solid understanding of credit risk management, portfolio monitoring, and regulatory compliance practices
- Strong stakeholder management, communication, and leadership skills
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/
