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1. Credit Assessment:
- Analyze consumer credit bureau reports to evaluate applicants' credit history, repayment behavior, and risk factors.
- Review and interpret bank statements to assess income stability, expenditure patterns, and financial health.
- Verify KYC documents to ensure authenticity and compliance with regulatory requirements.
- Conduct in-depth financial analysis and risk assessments for loan applications for borrowers.
- Evaluate loan applications and make informed credit decisions within the company's risk appetite.
2. Risk Management:
- Identify potential risks and recommend mitigation strategies.
- Monitor and report on key risk indicators and trends in the unsecured lending portfolio.
- Ensure adherence to credit policies, procedures, and regulatory guidelines.
- Collaborate with the Credit Risk Manager to develop and implement risk management strategies.
3. Communication and Collaboration:
- Communicate credit decisions and rationale to internal stakeholders.
- Liaise with sales, collections, and other departments to gather relevant information and insights.
- Provide recommendations for improving the credit assessment process and tools.
4. Documentation and Reporting:
- Maintain accurate and comprehensive records of all credit assessments and decisions using LMS and other tools.
- Prepare regular reports on credit assessment activities, outcomes, and portfolio performance.
- Assist in the preparation of management reports and presentations.
5. Continuous Improvement:
- Stay updated on industry trends, regulatory changes, and best practices in credit risk management.
- Participate in training programs and professional development activities.
- Contribute to the development and enhancement of credit assessment models and tools.
Requirement:
- Bachelor’s degree in Finance, Accounting, Economics, or a related field.
- Proficient in Bahasa and English.
- 2-3 years of experience in credit analysis in unsecured consumer lending.
- Experience with credit analysis software, tools, and credit scoring models
- Proficiency in analyzing consumer bureau reports and bank statements.
- Strong understanding of KYC regulations and document verification processes.
- Attention to detail and accuracy in work.
- Ability to handle multiple tasks and prioritize effectively.
- Strong communication and interpersonal skills with an ability to work independently and as part of a team.
- Proficiency in MS Office Suite, particularly Excel and financial analysis tools.
- A strong personality who likes to build things from scratch, prioritizes learning, and wants to grow sustainably (not hyper-growth) by assuming significant responsibility
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