Senior Underwriting Analyst

Kredivo is hiring a

Senior Analyst - Risk Underwriting and will be accountable for optimising credit limits and approval thresholds while keeping portfolio risk within appetite.

Responsibilities

• in Jakarta Office who help shape credit limit, approval and risk strategy for our consumer lending and paylater (BNPL) products. This position will report to the

Underwriting Manager

• In this role you will also be responsible for tracking key risk metrics such as FPD and DPD, and for designing and monitoring underwriting experiments, and supporting risk-based pricing and benchmarking our performance against the market using credit bureau data.
• To optimise credit limits and approval thresholds as portfolio behaviour changes
• To track portfolio risk metrics such as FPDs, DPDs and vintages, and act early on deterioration
• To design, run and monitor underwriting and limit experiments (A/B, champion-challenger) and program revamps
• To support risk-based pricing decisions for our products

About the job

To define and track risk appetite

To work with Product, Data Science and other risk teams

About you

• 3–5 years in credit risk, underwriting or risk analytics, ideally in consumer lending, BNPL, paylater or fintech
• Hands-on experience with credit limits, cut-offs, credit policy or underwriting rules, including running experiments
• Working knowledge of risk metrics (FPD, DPD, vintage) and risk-based pricing
• Strong SQL & Tableu/Power BI (visualization tool); Python is a plus

Experience with credit bureau data is a plus

• Able to turn analysis into clear recommendations and own work end to end
• If this sounds like you, we would love to hear from you!
• #LI-AL1