Head, Risk Credit Policy

About You You're a go-getter with mad juggling skills (or multiple hats) who can thrive in a fast-paced, agile environment You enjoy doing purpose-led and meaningful work You have a strong thirst for knowledge and are driven to find solutions that don't exist yet You are comfortable with ambiguity and extremely resourceful (in your past life, you could've been a detective) You always find a way to get things done without sacrificing the quality of your work, integrity, and values No task is off limits for you You are humble and prioritize the success of the team over your own with an eagerness to help those around you You don't shy away from challenges and can bounce back from setbacks We strongly encourage individuals with disabilities to apply. We believe in equal opportunity and strive to create an inclusive workplace where everyone can thrive.

What you’ll do and what success looks like in this role: Design, develop, and maintain a comprehensive credit risk governance framework across all credit segments, including retail, commercial, corporate, indirect financing, digital lending, and other financing products offered by the Bank. Ensure alignment between credit risk policies, the Bank’s business strategy, and applicable regulatory requirements. Ensure that credit risk policies comply with prevailing laws and regulations, including those issued by the Financial Services Authority (OJK) and Bank Indonesia (BI), as well as relevant industry standards. Monitor developments in credit risk trends, regulatory changes, and industry best practices to ensure policies remain relevant and fit for purpose. Oversee the implementation and consistent application of credit risk procedures across all banking business lines. Conduct periodic reviews and updates of credit risk policies to reflect changes in the regulatory environment and the Bank’s business strategy. Prepare and present comprehensive credit risk governance reports to senior management and relevant risk committees. Ensure transparent and accountable risk governance in credit decision-making processes. Collaborate closely with Risk Management, Compliance, Audit, and Business units to ensure an integrated and aligned credit risk approach. Coordinate with shareholders (ASTRA and WeLAB) in discussions related to the Bank’s credit policies. Lead and oversee credit policy formulation, implementation, and credit review activities.

What Is Required and What We’re Looking For Minimum 10–15 years of experience in banking, with a strong focus on credit risk management, risk governance, or regulatory compliance. Experience in fintech or digital banking will be an advantage. Strong understanding of credit risk management, banking regulations, and international risk standards. Excellent analytical and problem-solving skills with the ability to manage credit risk strategically. Proven leadership capabilities in managing teams and collaborating effectively across functions within the organization. Risk Management Certification Level 3 (or equivalent).