Company Name: PT. Pinjaman Kemakmuran Rakyat
Location: Jakarta Utara
Posted Date: 30/09/2024 14:12
Salary: Rp 8.000.000 – Rp 12.000.000 per month
Job Description
Responsibilities:
Risk Management:
- Identify, measure, and manage credit risks related to lending activities.
- Develop and implement comprehensive risk management policies and procedures.
- Conduct stress testing and scenario analysis to evaluate the impact of adverse conditions on the credit portfolio.
Credit Risk Assessment:
- Lead creditworthiness evaluation for prospective and existing clients through in-depth analysis of financial statements, credit reports, and other relevant data
- Develop and refine credit risk models and scoring systems to assess loan applications and other credit products.
- Provide expert recommendations on credit limits, terms, and conditions for loan approval.
Compliance and Regulation:
- Ensure all credit and risk management activities are in accordance with OJK and BI regulations.
- Prepare and participate in regulatory audits and reviews.
- Stay updated on changes in regulatory requirements and industry best practices.
Monitoring and Reporting:
- Continuously monitor the credit portfolio to identify new risks and trends
- Prepare and present detailed risk assessment reports to senior management and regulatory bodies.
- Maintain accurate and up-to-date documentation of all risk management activities.
Collaboration and Leadership:
- Ensure consistent application of credit policies.
- Provide mentorship and guidance to relevant staff across departments or juniors in credit analysis and risk management practices.
- Work closely with cross-functional teams to collect and analyze relevant data for risk assessment.
Qualifications:
- Bachelor’s degree in Accounting, Finance, Business Administration, or related field.
- Minimum 3+ years of experience in Risk Management & Credit Analysis in the financial services or fintech industry.
- Proficiency in English is a plus.
- Proven track record in developing and implementing effective credit risk models and risk management strategies.
- Experience in OJK and BI audit preparation and compliance.
- Thorough, good problem solving, interpersonal & communication skills.
- High ethical standards and integrity
- Willing to work mobile & based in Ancol
- Willing to work on Saturday