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FLIN - Assistant Manager - Credit Risk & Analytics
FLINIndonesia, India30+ days ago
Job descriptionApprove unsecured lending applications within delegated authority Guide and review decisions made by credit analysts, ensuring consistency and adherence to established policies. Investigate exceptions, fraud patterns, or high-risk cases, taking corrective actions as needed. Possess a data science background with hands-on experience in building, training, and continuously improving credit scorecards and predictive credit risk models Translate business learnings into policy revisions and rule-based decision systems. Evaluate new data sources (bureau, alternative data) for inclusion into risk models. Analyze loan portfolio trends, including delinquency, NPA, cohort analysis, vintage performance, and loss rates. Create and manage early warning systems to identify and contain credit deterioration. Implement corrective actions, such as tightening policies, segment control, or revised limit strategies. Own, automate, and perform regular quality checks on key risk dashboards using Excel, Google Sheets, SQL, and Power BI. Present regular risk reports and insights to senior leadership and risk committees. Ensure compliance with internal controls and external regulatory expectations. Lead and mentor a team of credit analysts in a cross-cultural, high-paced environment. Foster a data-first culture and build capabilities within the credit team. Work closely with collections, operations, product, technology, and data science teams to develop end-to-end credit strategies. Bachelor's / Master's Degree with strong academic credentials. Should be able to demonstrate consistent academic rigour 2-4 Years of experience as a Credit Approver or Risk Manager in unsecured lending fintech, digital lending platforms, or retail NBFCs. Deep understanding of consumer credit lifecycle and risk analytics. Proven experience in credit policy development, scorecard implementation, and loan underwriting. Advanced Excel / Google Sheets (dashboards, scenario analysis, pivot tables, financial modeling, risk calculators, and automation using VBA / Google Apps Script) (mandatory) SQL (data extraction, transformation, writing complex queries, delinquency tracking, risk aggregation, performance analysis) Python (Exploratory data analysis, feature engineering, and building prototype credit models) BI tools (e.g., Power BI, Tableau) for analytics. (mandatory) Experience in managing and mentoring teams across diverse cultural contexts. Willing to work onsite from Jakarta, Indonesia. Exposure to bureau data, fraud detection models, or alternative data credit scoring Good to have experience with collections analytics, early warning systems, or risk triggers Exposure to ML frameworks in credit modeling contexts Working knowledge of cloud data platforms (e.g., BigQuery, Snowflake, AWS Redshift) Demonstrated curiosity for emerging lending models-BNPL, embedded finance, or AI-driven risk Strong analytical and critical thinking ability. Clear and structured communication, especially in presenting risk findings. Leadership mindset with the ability to influence cross-functional stakeholders. High attention to detail with ownership over deliverables.
Key Responsibilities
1. Credit Risk Management
- Identify, measure, and monitor credit risk across products and customer segments.
- Develop and update risk frameworks and policy guidelines aligned with business goals and regulatory requirements.
- Conduct risk-return assessments and stress testing scenarios for proactive business planning.
2. Credit Approvals
3. Policy & Scorecard Development
4. Portfolio & Performance Monitoring
5. Reporting & Governance
6. Team Management & Cross-Functional Collaboration
Must-Have Qualifications
Proficient in :
Preferred / Good-to-have Skills
Soft Skills
(ref : iimjobs.com)
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Assistant Manager • Indonesia, India
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