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Penawaran: Credit Analyst (Segment Micro) - Surabaya:Modalku


Credit Analyst (Segment Micro) - Surabaya - Modalku


Credit Analyst (Segment Micro) - Surabaya


Min 3 years (Staff (non-management & non-manager))

Indonesia - Jawa Timur - Surabaya - Embong Kaliasin, Genteng



   » Evaluate credit applications – using our cutting-edge tech platform, analyzing data from financial statements, credit reference agencies, application forms and other third-party sources to arrive at fast, fair, and accurate decisions.
   » Ensure validity of customers’ information by site visit or phone verification.
   » Having knowledge of key issues up-to-date (for example legal, market risk, regulation, and compliances).
   » Ensure adherence to the laid down policies and procedures for the smooth running of the division.
   » Giving feedback and recommendation about current procedural and policy whether implementable or having the gaps.
   » Identify & provide feedback on potential risk and implement the proposed solutions. 
   » Coordinate with support staff for getting CPV checks done for new customer as well as renewal customers.
   » Monitor accounts (i.e. cash flows, repayments, account behavior, compliance with covenants stipulated in the terms of approval) and ensure that portfolio is within the acceptable credit & compliance standards.
   » Undertake regular review and monitor SME book to ensure that any adverse movements are highlighted and rectified proactively. 
   » Identify borrower utilization (under or over) and proactively initiate corrective measures. Requirements 
   » 3 years of practice in Micro and SME loan underwriting, preferably within the SME sector or alternative Multi-finance or banking sector.
   » Knowing credit cycles and risk management function responsibility. Understand where risk should be in the business model.
   » capability to interpret key financial statements and an knowledge of the key risk drivers specific to SMEs or Unsecured Loan.
   » An analytical mind set with a practical approach to problem solving.
   » To be confident, focused and enthusiastic. He/she should be comfortable in a fast-paced start-up environment where every month needs to be a record month.
   » Good communication expertise. He/she will have direct telephone contact and visit with loan candidates to extract additional information,
Note : Applicant will proceed faster with CV  attached



Sinarmas Land Plaza, Jl. Pemuda No.60-70, Embong kaliasin, Genteng, Embong Kaliasin, Genteng, Kota SBY, Jawa Timur 60271


Average Processing Time

More Than 2 Weeks


Banking/Financial Services


Facebook Fan Page

Company Size

51 - 200 Employees




Modalku is an online marketplace located in Jakarta, Indonesia for small businesses to acquire loans and for lenders to fund small business loans to gain compelling returns. Our technology-located approach enables borrowers to receive loans for the first time or at lower than market rates, while lenders will gain returns well above that of bank deposits, traditional fixed earnings products and life insurance investment-linked products. This marketplace lending model is proven in countries such as USA, UK, China & Singapore. SMEs are a key source of employment and economic growth in Indonesia, but are structurally disabled by financial institutions to get the financing they need, despite being generally profitable companies. Meanwhile, investors & depositors looking to fend off a high inflation rate need a more reliable way to generate higher returns. Modalku is committed to deal with these problems through proactive innovation and collaboration with borrowers, lenders and the broader ecosystem in Indonesia.
Because together, we create a much better Indonesia.



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Bahasa persyaratan:
Pekerjaan jenis:
Gaji: Tidak disebutkan
Akademik gelar: Unspecified
Pengalaman (tahun): Tidak disebutkan
pekerjaan lokasi: Surabaya , Jawa Timur
perusahaan jenis majikan
Tanggal publikasi: 04/20/2018 / Viewed 73 times
Informasi Kontak
perusahaan: Modalku

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