Deskripsi Pekerjaan
Adira Dinamika Multi Finance is seeking a meticulous and analytical Credit Policy Management Officer to join our dynamic team in Jakarta Selatan. In this role, you will play a pivotal part in shaping our credit risk framework, ensuring that our lending policies are both competitive and resilient against market fluctuations.
You will be responsible for the end-to-end management of credit policy documentation, conducting in-depth portfolio performance analysis, and collaborating with cross-functional stakeholders to align risk management strategies with business growth objectives. The ideal candidate thrives in a fast-paced environment and possesses a sharp eye for detail, contributing to the development of innovative financial solutions that empower our customers while maintaining sound credit quality.
Tanggung Jawab
- Develop, revise, and maintain comprehensive credit policy guidelines in accordance with regulatory requirements and company risk appetite.
- Collaborate with cross-functional teams including Sales, Marketing, and Operations to ensure credit policies are effectively communicated and implemented.
- Perform regular analysis of credit portfolio performance to identify trends, potential risks, and opportunities for policy optimization.
- Prepare periodic management reports and dashboards detailing key credit risk indicators and policy impact metrics.
- Participate in the evaluation and assessment of new lending products, providing risk-based recommendations to leadership.
- Monitor external market trends and competitor credit practices to maintain the bank’s competitive edge.
- Assist in the review and enhancement of credit scoring models and approval workflows.
Kualifikasi
- Bachelor’s degree in Finance, Accounting, Economics, Statistics, or a related quantitative field.
- Minimum of 2-4 years of experience in credit risk, policy management, or financial analysis within the finance or banking sector.
- Strong understanding of consumer financing products, credit risk lifecycle, and relevant OJK regulations.
- Proficiency in data analysis tools (SQL, Excel/VBA, or BI tools like Tableau/PowerBI is a plus).
- Strong communication skills with the ability to articulate complex policy changes to non-technical stakeholders.
- Ability to work independently with high accuracy and attention to detail.
- Fluency in both Indonesian and English is highly preferred.