Risk Data Analyst Lead (Paylater)

Job Responsibilities

• Maintain clear, up-to-date documentation of risk policies and procedures across the full customer lifecycle — new-customer selection, portfolio management, and risk mitigation over the product lifetime.
• Track changes in business strategy and operational processes, assess their impact on credit performance, and propose and implement mitigating actions where needed.
• Support credit risk initiatives such as NPL forecasting and portfolio tightening/loosening — sizing the expected credit impact and helping shape the rollout.
• Regularly monitor and forecast key credit risk and portfolio indicators, and quickly flag any deterioration in credit performance.
• Analyze policy for improvement opportunities, and when credit performance deteriorates, investigate the root cause to keep the portfolio healthy.
• Work closely with the Product team to assess the risk of new initiatives with sufficient challenge, while recommending practical mitigation actions.
• Partner with other teams to manage risk-related projects, including third-party engagements, keeping the user journey and customer needs in mind.
• Contribute to sustainable business growth, balancing short-term results with the long-term health of the portfolio.
• Conduct quantitative and qualitative analysis — planned or ad hoc, independently or with the data team — to answer credit risk questions.
• Take an active role in ongoing projects.

Job Requirements

• 3–5 years of experience in financial analytics, portfolio management, and/or credit policy.
• Familiarity with credit risk initiatives such as NPL forecasting and policy tightening/loosening.
• Proven ability to build senior-level presentations and complex reports that stay clear and easy to follow.
• Fluent in both Bahasa Indonesia and English.
• Strong command of a statistical/analytical tool (e.g., SQL) or equivalent.
• Solid background in financial analysis and portfolio management, with strong analytical skills.
• Experience in credit scoring development.
• Experience with SLIK or credit bureau reporting is a plus.
• Self-starter who adapts to change, delivers on time, and is proactive, meticulous, and self-motivated.