Credit Analyst Manager
The Credit Analyst Manager at is responsible for conducting comprehensive credit evaluations of companies to assess loan feasibility and repayment capability. This role is integral to the credit risk management team, focusing on identifying and evaluating credit risks, and providing recommendations on loan approvals or rejections. The position plays a key role in supporting the growth of productive credit portfolios and ensuring the quality of credit assets is maintained.
Key responsibilities include conducting in-depth credit analyses by reviewing financial statements, cash flows, financial ratios, and business risks to assess creditworthiness. The role involves evaluating various credit risks, including industry, market, and operational risks, to understand potential credit losses. Regular monitoring of the company's credit portfolio is essential to identify potential risks and implement necessary mitigation actions. The manager will also determine appropriate loan amounts and terms based on analysis results, prepare detailed credit reports for senior management and credit committees, and collaborate with sales teams and other departments to ensure efficient credit decision-making processes. Ensuring compliance with company regulations and applicable banking and financial standards is also a critical aspect of the role.
The ideal candidate holds a minimum of a Bachelor's degree in finance, economics, or a related field, and possesses at least three years of experience in credit analysis or within banking or financing institutions involved in productive lending. Strong analytical skills and a deep understanding of financial analysis are essential. Effective communication skills, both oral and written, are required, along with the ability to work independently and collaboratively within a team. A solid understanding of banking and financial regulatory compliance is necessary, as well as proficiency in spreadsheet and financial analysis software.
is a financial technology startup based in Indonesia, simplifying the process of finding and applying for financial products by bringing everything online. The company fosters a culture of openness, transparency, drive, and meritocracy, aiming to build a world-class fintech company in Indonesia. Joining offers opportunities for professional growth and the chance to contribute to transforming the Indonesian financial landscape through technology.