Credit Risk Scoring & Portfolio Manager

Main responsibility Strengthen the company’s credit risk and portfolio management for digital retail unsecured financing products (BNPL, cash loans). Deliver data-driven underwriting insights, monitor portfolio performance, and support regulatory and partner reporting.

What you will do

Credit Scoring & Modeling

Support HQ in developing and maintaining credit scoring models using SQL, Python, and machine learning techniques. Contribute to credit policy refinement through data-driven insights and model performance analysis.

Portfolio Monitoring & Reporting

Monitor portfolio performance, delinquency, and loss trends to identify early risk signals. Deliver monthly portfolio reports and analytical insights for management and related business units.

Exploration of New Data Sources & Tools

Evaluate and test alternative local data sources or tools to enhance underwriting precision. Lead proof‑of‑concept (POC) initiatives and assess their business and risk impact.

Regulatory & Partner Engagement

Represent the Credit Risk team in OJK audits and bank partner engagements. Prepare reports and defend the company’s portfolio quality and underwriting standards to regulators and partners.

What you will need to have

Bachelor's or Master's in Finance, Statistics, Mathematics, Data Science, or related field.

4-6 years of experience in data science, credit scoring model development, portfolio analytics, or credit management. Ideally in fintech or retail banking. Exposure to OJK/regulatory audits is preferred.

Strong SQL & Python skills, statistical modelling and machine learning knowledge.

Experience with portfolio reporting and impact analysis. Familiarity with OJK credit risk requirements.

Possess analytical and detail-oriented. Strong communicator, able to present insights clearly.

Collaborative, and able to manage multiple priorities.

PT WOORI FINANCE INDONESIA TBK

Jakarta, ID

#J-18808-Ljbffr