- Conduct daily reviews and make credit decisions for all incoming applications in the pipeline based on applicable credit policies and SOP.
- Thoroughly analyzing and assessing credit worthiness of debtor through detail analysis of credit performance in bureau, character, income, collateral and repayment capacity.
- Maintain the daily targeted numbers of incoming applications to be reviewed as well as committed SLA.
- Performing know-your-customer (KYC) process, document authentication, data verification (PV or Survey result), fraud detection, and assesing for any potential credit losses.
- Work independently and in a team environment to meet established objectives, KPI and quality performance indicators with ensuring adherence to policy implementation.
- Provide recommendations for approval or not on the results of credit analysis that has been carried out (from a legal, financial, business and background perspective of the prospective customer).
- Can propose a mitigation proposal for financing customers for minimize the risk of lending and able to communicate the solution to sales/marketing/business.
Requirements
- Minimum a Bachelor’s Degree with excellent GPA.
- Having experience in lending business of financial institution with minimum 1-2 years, related with underwriting, credit analyst and credit operation.
- Advanced in Microsoft Excel skills, Microsoft Word is a must and high understanding of financial statement and business process.
- Possess good knowledge in Credit Analysis, Fraud Anomalies & Fraud Detection.
- Superb attention to detail and interested in analyzing customer data, highly responsible, integrity, committed & disciplined.
- Care about doing an excellent job and exceeding expectations with the quality of what you do in fast paced environment.
- Solid oral and written communication skills and able to communicate the credit recommendation properly backed up with strong judgement.
About Moladin
Moladin is Indonesia’s leading mobility fintech platform with end to end financing solutions for all players in the used car and EV ecosystem. Moladin empowers its rapidly growing network of more than 26,000 active used car agents and dealer MSMEs, and provides used car consumers with better financing access through digitized loan underwriting. This is supported by its strong used car capabilities with branches and warehouses covering more than 100 cities, industry-leading AI / IoT and partnerships with all top auto financing companies across Indonesia, and also through its OJK-regulated multi-finance company PT Moladin Finance Indonesia. Moladin’s vision is to be a positive driving force in the physical and social mobility of all the people it touches (“Mobility for all”).
For further information about Moladin, please visit https://moladin.com
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