Credit Analyst Lead - SME Financing

Responsibilities    

• Lead end-to-end credit underwriting process for property-secured SME and individual loans.
• Ensure accurate borrower assessment (5Cs, DSR/DBR, LTV, income validation, collateral verification, legal checks).
• Review and approve high-value or complex transactions within delegated authority limits.
• Ensure all underwriting complies with OJK Rules and internal risk appetite.
• Collaborate with the Risk Team to refine product credit criteria, scoring models, and etc. 
• Lead, train, and develop a team of Credit Analysts and Underwriting Officers.
• Establish SLA-driven underwriting workflows with strong quality control and turnaround time (TAT) monitoring.
• Coordinate with Appraisal, Legal, Credit Operations, and Sales teams to ensure seamless handover and compliance.
• Act as a voting member in the Credit Committee for large or exceptional exposures.
• Review risk exceptions, mitigants, and escalation cases objectively and consistently.
• Maintain audit-ready documentation for all approved/rejected cases.
• Continuously improve underwriting standards and efficiency 
• Identify recurring portfolio risk patterns and propose structural or procedural mitigations.
• Work closely with Risk Policy, Portfolio, and BI teams to monitor early-warning signals (DPD, NPL, breach rate).

Requirements

• Bachelor’s degree (Master’s preferred) in Finance, Accounting, Economics, or related field.
• Minimum 8–10 years of experience in credit underwriting or risk management in multifinance, commercial/sme banking, or fintech.
• Strong understanding of property valuation, legal collateral documentation, and credit structuring.
• Deep knowledge of OJK multifinance regulations and risk governance principles.
• Proven leadership experience managing a credit team.
• Analytical thinker with attention to detail and the ability to balance growth with prudence.
• Excellent communication, negotiation, and stakeholder-management skill.

About Moladin

Moladin is Indonesia’s leading mobility fintech platform with end to end financing solutions for all players in the used car and EV ecosystem. Moladin empowers its rapidly growing network of more than 26,000 active used car agents and dealer MSMEs, and provides used car consumers with better financing access through digitized loan underwriting. This is supported by its strong used car capabilities with branches and warehouses covering more than 100 cities, industry-leading AI / IoT and partnerships with all top auto financing companies across Indonesia, and also through its OJK-regulated multi-finance company PT Moladin Finance Indonesia. Moladin’s vision is to be a positive driving force in the physical and social mobility of all the people it touches (“Mobility for all”).

For further information about Moladin, please visit https://moladin.com