# Credit Risk Analyst

> Amartha · South Jakarta, Indonesia · Full-time · Posted 2025-03-19

**Workplace:** on_site

**Department:** Risk Management

## Description

Amartha is a technology company focused on creating shared prosperity by developing digital financial solutions for the grassroots economy. Founded in 2010 as a microfinance institution, Amartha connects rural, women-led micro-enterprises with affordable capital. Amartha is expanding as a tech company, building a microfinance ecosystem that connects to the growing digital economy through capital, investment, and payment services. By boosting the competitiveness of micro and small entrepreneurs, Amartha empowers women-led MSMEs, creates jobs, and fosters inclusive economic growth.

**About The Role**

-   Responsible for the monitoring, forecasting and early warning flagging of key indicators to ensure the overall credit risk and portfolio are managed appropriately.
-   Responsible for projects or initiative to ensure overall portfolio management and non-performing loan management.
-   Assess any changes in business strategy and overall processes to determine the impact to credit performance while proposing necessary actions to manage the risk if necessary.
-   Work closely with the Product team to assess risks of new initiatives with sufficient challenge, while assisting product on recommending mitigation actions related to the risk.
-   Working with other teams to manage risk-related projects including projects with 3rd parties, while keeping user journey and needs in mind.
-   Contribute in achieving business growth targets sustainably, focusing on short-term success and long-term sustainability of the business
-   Conduct quantitative and qualitative analysis either planned or on an ad hoc basis, alone or with a data team, to answer credit risk issues.
-   Independently handling projects or initiatives

## Requirements

-   3- 5 years work experience related to credit risk, portfolio management and/or credit policy.
-   Have good quantitative skills in order to assess data and be able to see and analyze trends.
-   Experienced in creating senior-level presentations materials, and complex, yet clear reports.
-   ⁠Have analytical skills (moderate to advance level using SQL) especially on forecast analysis, risk performance
-   ⁠Understanding in risk scoring and credit risk
-   ⁠Have general knowledge on product development (e.g. underwriting system, product settings)
-   ⁠Project management skills(to handle projects/initiatives)
-   Python skills would be considered a plus.
-   Fluent in both Bahasa Indonesia and English

_At Amartha, we are dedicated to creating a workplace that celebrates diversity, ensures equity, and fosters inclusion. We believe that diverse perspectives—shaped by factors such as gender, age, race, ethnicity, education, culture, and life experiences—drive innovation and growth._

_We actively welcome individuals from all backgrounds to join us in building an environment where everyone feels respected, valued, and empowered. Our commitment is to provide equal opportunities and foster a sense of belonging that enables our employees to thrive and make meaningful contributions._

## Apply

[Apply at Amartha](https://apply.workable.com/amartha/j/A6111047F4/apply)

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