Deskripsi Pekerjaan
Venteny Fortuna International is a rapidly growing fintech company committed to providing innovative financial solutions. We are currently seeking a meticulous and analytical Credit Analyst to join our dynamic team in Jakarta Selatan. In this role, you will be at the forefront of our risk management operations, ensuring the integrity of our lending portfolios while facilitating sustainable business growth.
As a Credit Analyst, you will evaluate the financial health of prospective clients, assess creditworthiness, and provide data-driven recommendations that balance risk with our business objectives. You will work closely with cross-functional teams to refine our credit scoring models and maintain a high-quality loan book in an evolving financial landscape. If you possess a keen eye for detail, strong analytical capabilities, and a passion for fintech, we invite you to grow your career with us.
Tanggung Jawab
- Conduct comprehensive credit risk assessments for prospective corporate and SME clients.
- Analyze financial statements, cash flow projections, and business models to determine creditworthiness.
- Prepare detailed credit memos and present findings to the credit committee for approval.
- Monitor existing loan portfolios to identify early warning signs of credit deterioration.
- Collaborate with the sales and operations teams to streamline the credit application process.
- Ensure full compliance with internal risk policies, regulatory requirements, and industry standards.
- Support the refinement of credit risk scoring algorithms and internal credit policies.
Kualifikasi
- Bachelor’s degree in Finance, Accounting, Economics, or a related quantitative field.
- Minimum of 2-4 years of experience in credit analysis, risk management, or corporate banking.
- Strong understanding of financial statements, balance sheets, and tax documents.
- Proficiency in financial modeling and data analysis tools (Excel expertise is required).
- Excellent communication skills with the ability to articulate complex risks clearly to stakeholders.
- Ability to work under pressure and meet tight deadlines in a fast-paced fintech environment.
- Strong attention to detail and high ethical standards in decision-making.