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FLIN - Assistant Manager - Credit Risk & Analytics

FLIN - Assistant Manager - Credit Risk & Analytics

FLINIndonesia, India
30+ hari yang lalu
Uraian Tugas

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

  • Approve 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.
  • 3. Policy & Scorecard Development

  • 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.
  • 4. Portfolio & Performance Monitoring

  • 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.
  • 5. Reporting & Governance

  • 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.
  • 6. Team Management & Cross-Functional Collaboration

  • 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.
  • Must-Have Qualifications

  • 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.
  • Proficient in :

  • 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.
  • Preferred / Good-to-have Skills

  • 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
  • Soft Skills

  • 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.
  • (ref : iimjobs.com)

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