Credit Analyst Manager

Location: Jakarta, Indonesia

Company

Credit and lending-focused fintech company.

What you will do

• Perform comprehensive credit analysis of companies using financial statements, cash flows, financial ratios, and business risk factors (the 5 Cs).
• Assess credit risks (industry, market, operational) and recommend loan approvals or rejections based on expected credit losses.
• Monitor the credit portfolio regularly to identify emerging risks and support mitigation actions.
• Analyze and set loan amounts and terms for each company based on credit evaluation results.
• Prepare credit analysis reports and recommendations for senior management, credit committees, and routine regulator reporting.
• Ensure credit analysis processes comply with company policies and applicable banking/financial compliance standards.

Requirements

• Bachelor’s degree (S1) in finance, economics, or a related field.
• Minimum 3 years of experience in credit analysis or in banking/financing institutions involved in productive lending.
• Strong analytical skills and deep understanding of financial analysis (including ratios and cash flow assessment).
• Strong communication skills (oral and written) and ability to work independently and in a team.
• Strong understanding of banking and financial regulatory compliance.
• Proficiency with spreadsheets and financial analysis software.

Culture & Benefits

• Full-time role within credit risk management and cross-functional decision-making.
• Collaboration with sales, risk management, and other departments to support timely credit decisions.
• Emphasis on maintaining credit asset quality and supporting growth of productive credit portfolios.