Amartha is a technology company founded in 2010 as a microfinance institution, focused on digital financial solutions for the grassroots economy. The company connects rural, women-led micro-enterprises with affordable capital and is building a microfinance ecosystem that ties into the growing digital economy through capital, investment, and payment services. Its goal is to boost the competitiveness of micro and small entrepreneurs, empower women-led MSMEs, create jobs, and foster inclusive economic growth. About The Role: This position involves shaping Amartha's credit policies, overseeing portfolio performance, and implementing risk strategies aligned with supporting millions of underserved micro-businesses. The hired person will work with data, business, and operations teams to drive sustainable growth, reduce credit losses, and enhance financial inclusion across Indonesia. The role provides an opportunity to influence lending strategies at scale within a purpose-driven organization. Responsibilities: - Lead the development, implementation, and optimization of credit risk policies across Amartha's lending products. - Monitor and analyze loan portfolio performance, trends, and segmentation to inform strategic decisions. - Collaborate with data science, product, and operations teams to balance growth with portfolio health. - Identify emerging risks and proactively propose mitigation strategies to maintain asset quality. - Support financial planning by providing accurate credit forecasts, provisioning inputs, and risk-adjusted return insights. - Deliver clear and actionable reports and presentations to senior management and stakeholders. Requirements: - Bachelor's or Master's degree in Finance, Economics, Business, Statistics, or related fields. - 10+ years of experience in credit risk management, loan portfolio analytics, or strategy—preferably in fintech, P2P lending, or multi-finance institutions. - Strong knowledge of credit lifecycle management, risk segmentation, and portfolio strategy. - Excellent analytical and problem-solving skills with proficiency in SQL, Excel, and data visualization tools such as Tableau and Power BI. - Ability to interpret complex data into strategic insights and communicate them effectively to stakeholders. Preferred Skills: - Experience with machine learning-based credit scoring or alternative data models. - Familiarity with regulatory frameworks such as OJK, Basel, or IFRS 9. - Knowledge of borrower behavior in microfinance or MSME segments. - Strong leadership skills with experience managing cross-functional projects. - Ability to thrive in a fast-paced, mission-driven, and agile work environment. Amartha states it is dedicated to creating a workplace that celebrates diversity, ensures equity, and fosters inclusion. The company believes diverse perspectives—shaped by factors including gender, age, race, ethnicity, education, culture, and life experiences—drive innovation and growth. It welcomes individuals from all backgrounds to join in building an environment where everyone feels respected, valued, and empowered, with a commitment to equal opportunities and a sense of belonging that enables employees to thrive and make meaningful contributions.

Credit Risk and Portfolio Management Senior Lead

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