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Credit Risk Analyst Manager
Jakarta
Global Leading Multinational Autofinance Company
Risk Management
About the Role

Our client is a Global Leading Multinational Autofinance Company undergoing rapid expansion in the Indonesian market, driven by strong capital backing, aggressive growth targets, and a commitment to building a best-in-class financial services platform.

As part of this growth, the company is seeking for a Credit Risk Analyst Manager to develop, review, and enhance credit policies, underwriting parameters, and approval strategies to support healthy portfolio growth and asset quality. This role will focus on evaluating customer risk profiles, monitoring portfolio performance, handling non-standard credit cases, and optimizing credit decision frameworks for retail financing products.

The ideal candidate has strong experience in credit policy, portfolio risk analysis, and retail financing underwriting processes, preferably within automotive multifinance. Strong analytical capabilities, hands-on experience with SQL, and the ability to translate portfolio insights into actionable credit policies are essential for this role.

Key Responsibilities

Job Responsibilities

  • Develop, review, and enhance credit risk policies, scoring models, underwriting parameters, and approval criteria to maintain healthy portfolio quality.
  • Analyze customer profiles, repayment behavior, financial capacity, and risk indicators to support creditworthiness assessment and financing recommendations.
  • Create and refine credit decision parameters based on portfolio performance, approval trends, delinquency movement, and emerging risk patterns.
  • Evaluate non-standard or deviation cases requiring deeper assessment beyond automated approval systems and provide risk recommendations for complex applications.
  • Collaborate closely with underwriting, business, and collection teams to balance portfolio growth with prudent risk management practices.
  • Monitor portfolio quality, approval trends, delinquency movement, FPD/FID, and NPL performance, and recommend policy adjustments or mitigation strategies when necessary.
  • Conduct portfolio and customer segment analysis using SQL and analytical tools to generate actionable insights for credit policy and risk management decisions.
  • Prepare portfolio risk analysis, policy recommendations, and management reports for Department Head and key stakeholders.
  • Support enhancement of credit scoring systems, approval workflows, and risk monitoring frameworks to improve decision-making effectiveness.
  • Ensure all credit risk practices comply with internal policies, regulatory requirements, and company risk appetite.
  • Provide recommendations on financing limits, collateral requirements, customer segmentation, and approval criteria based on portfolio risk assessment.
Key Qualifications
  • Minimum 5 years of experience in Credit Risk, Credit Analyst, or Risk Policy roles.
  • Preferably from automotive financing / multifinance industry, especially new or used car financing.
  • Strong understanding of credit scoring, underwriting policies, and portfolio risk management.
  • Experience in developing or refining credit parameters and approval criteria based on portfolio performance.
  • Strong analytical and problem-solving skills with the ability to translate data into actionable business recommendations.
  • Proficient in SQL for data extraction, analysis, and reporting.
  • Familiar with portfolio monitoring metrics such as NPL, approval rate, delinquency trends, and risk segmentation.
  • Good communication and stakeholder management skills.
  • Bachelor’s degree in Finance, Statistics, Mathematics, Economics, or related field preferred.
Call for Action

Apply now to be part of a high-impact leadership role shaping the future of multifinance in Indonesia. For further information, please reach out to jobs@alvahunt.com or contact our consultant directly.

Contact Person for this Job
Project Consultant: Tyara
(+62)816-87-1374
tyara@alvahunt.com
Referral reward:
Up to IDR 5 Mn
Apply for this job:
Job Application Form
About the job
Company :
Job Title : Jakarta
Function : 09, Aug, 2026
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