Credit Risk Strategy Analyst

PT Bank Neo Commerce Tbk, formerly PT Bank Yudha Bhakti Tbk, is an Indonesia-based company primarily engaged in the banking business. The Company operates as a technology-based bank. The Company serves customers in the Small and Medium Business (SME), Retail (Consumer), and Mass Market segments, through banking products and services embedded in an ecosystem by optimizing technology.

Requirements :

1. Minimum 3-4 years of experience in Credit Risk or Data Analyst roles, credit portfolio management, or similar positions.
2. Minimum Bachelor's degree or equivalent, preferably in IT, Mathematics, Statistics, or Management.
3. Strong proficiency in SQL and experience working with large datasets and relational databases.
4. A strong understanding of credit risk modeling principles, data visualization, and best practices for effectively communicating complex data in a clear and concise manner.
5. Strong analytical and problem-solving skills with the ability to interpret and analyze data from various sources.
6. Good stakeholder management and the ability to work with various internal and external stakeholders.
7. Good communication skills in verbal and written English.
8. Experience in Banking, Finance, or similar industries is a plus.

Job Descriptions :

1. Collect, analyze, and interpret data from various sources to identify trends, patterns, and insights. This includes collaborating with business, product, and growth team to understand data and reporting needs.
2. Develop and use risk models to manage the credit portfolio, including developing credit scoring models and risk assessment methodologies.
3. Create reports, dashboards, and visualizations to present data clearly and meaningfully. Utilize data visualization tools (such as Tableau, Power BI, or Qlik View) to build interactive dashboards and visual data representations.
4. Oversee the credit assessment process, ensuring a thorough evaluation of loan applications and compliance with lending standards.
5. Recommend well-informed digital credit strategies based on established lending criteria and risk assessments.
6. Implement strategy changes in systems based on decisions made.
7. Design and maintain a data warehouse structure to ensure efficient storage and retrieval of data in the risk domain, including identifying opportunities to improve data processes, data quality, and reporting efficiency.
8. Collaborate with third parties to enhance data quality in identifying credit portfolio risks.
9. Prepare and deliver regular and ad-hoc reports to stakeholders, highlighting key performance indicators (KPIs) and actionable insights.