Senior Credit Risk Analyst

VENTENY is a Technological Based Company Focuses developing a platform with a wide range of services to empower business and to enrich people’s living around the world.

VENTENY accommodates the needs of companies while providing a positive impact on public life in the world through its Multi-Layer Services. We serve our customers with care, respect, and strong commitment. Serving our customers since 2015, VENTENY has strived to be the market leader in this industry.

Role Overview

We are seeking an experienced and analytical Senior Credit Risk Analyst to join our Risk Management team. In this role, you will lead end-to-end credit risk assessments, evaluate financial health (covering both SME/Corporate borrowers and employee financing/payroll loan schemes), and monitor portfolio performance within our P2P Lending and fintech ecosystem.

You will play a vital role in balancing business growth with risk controls, ensuring full compliance with OJK regulations, and formulating effective risk mitigation strategies for both productive and employee-focused financing products.

Key Responsibilities

1. Credit Underwriting & Assessment (SME & Employee Financing)

• Perform comprehensive credit assessments, including KYC/KYB checks, trade reference checks, bank statement analyses, and red-flag/fraud detection.
• Analyze complex financial statements, cash flow statements, financial ratios, and business models for corporate and SME borrowers.
• Evaluate the credit risk profiles of corporate employer partners to support employee benefit financing, payroll loans, or Earned Wage Access (EWA) frameworks.
• Conduct physical or virtual site visits to debtor business premises when required.

2. Proposal, Covenant & Risk Mitigation

• Prepare detailed credit underwriting proposals, quantitative risk ratings, and recommended facility structures for Credit Committee evaluation and approval.
• Formulate robust credit covenants and risk mitigation strategies tailored for P2P Lending (e.g., credit insurance coverage, payroll deduction setups, or collateral terms).

3. Portfolio Monitoring & Regulatory Governance

• Continuously monitor portfolio health, tracking key indicators such as TWP90/NPL, loan covenant compliance, and repayment schedules.
• Develop, review, and refine credit underwriting policies, Standard Operating Procedures (SOPs), and risk appetite frameworks aligned with updated OJK regulatory guidelines for P2P Lending.
• Generate periodic credit risk analytics and portfolio tracking reports to guide executive decision-making.

4. Stakeholder Collaboration

• Work closely with Business Teams, Collection, Legal, Product, and Operations teams to streamline approval workflows while maintaining risk integrity.
• Perform additional credit risk management duties and special risk projects as needed.

Requirements & Qualifications

• Bachelor’s Degree in Finance, Accounting, Economics, Business Administration, Law, or a related field.
• 3–5 years of relevant professional experience in Credit Analysis, Credit Risk Management, or Commercial/SME Lending, preferably within Fintech P2P Lending, Banking (SME/Multifinance), or Regulated Financial Institutions.
• In-depth knowledge of OJK regulations governing Fintech P2P Lending (including TWP90, exposure limits, and operational compliance).
• Strong expertise in financial statement analysis, cash flow modeling, financial ratio analysis, and SME/Corporate business risk evaluation.
• Hands-on experience with KYC/KYB procedures, legal document verification, and risk analysis for payroll-backed employee financing schemes.
• Advanced proficiency in Microsoft Excel (for financial modeling and data analysis).
• Excellent written and verbal communication skills in both English and Bahasa Indonesia.
• Sharp analytical thinking, attention to detail, strong judgment, and data-driven decision-making capabilities.

Why Join VENTENY

• This is a place for those looking for challenges, learning, and fast growth.
• You will experience the start-up environment in a high-growth environment.
• You can expand your career and self-development.
• We offer a supportive and encouraging environment that emphasizes teamwork.