Credit Risk Analyst

Amartha is a technology company focused on creating shared prosperity by developing digital financial solutions for the grassroots economy. Founded in 2010 as a microfinance institution, Amartha connects rural, women-led micro-enterprises with affordable capital. Amartha is expanding as a tech company, building a microfinance ecosystem that connects to the growing digital economy through capital, investment, and payment services. By boosting the competitiveness of micro and small entrepreneurs, Amartha empowers women-led MSMEs, creates jobs, and fosters inclusive economic growth.

About The Role

• Responsible for the monitoring, forecasting and early warning flagging of key indicators to ensure the overall credit risk and portfolio are managed appropriately.
• Responsible for projects or initiative to ensure overall portfolio management and non-performing loan management.
• Assess any changes in business strategy and overall processes to determine the impact to credit performance while proposing necessary actions to manage the risk if necessary.
• Work closely with the Product team to assess risks of new initiatives with sufficient challenge, while assisting product on recommending mitigation actions related to the risk.
• Working with other teams to manage risk-related projects including projects with 3rd parties, while keeping user journey and needs in mind.
• Contribute in achieving business growth targets sustainably, focusing on short-term success and long-term sustainability of the business
• Conduct quantitative and qualitative analysis either planned or on an ad hoc basis, alone or with a data team, to answer credit risk issues.
• Independently handling projects or initiatives

• 3- 5 years work experience related to credit risk, portfolio management and/or credit policy.
• Have good quantitative skills in order to assess data and be able to see and analyze trends.
• Experienced in creating senior-level presentations materials, and complex, yet clear reports.
• ⁠Have analytical skills (moderate to advance level using SQL) especially on forecast analysis, risk performance
• ⁠Understanding in risk scoring and credit risk
• ⁠Have general knowledge on product development (e.g. underwriting system, product settings)
• ⁠Project management skills(to handle projects/initiatives)
• Python skills would be considered a plus.
• Fluent in both Bahasa Indonesia and English

At Amartha, we are dedicated to creating a workplace that celebrates diversity, ensures equity, and fosters inclusion. We believe that diverse perspectives—shaped by factors such as gender, age, race, ethnicity, education, culture, and life experiences—drive innovation and growth.

We actively welcome individuals from all backgrounds to join us in building an environment where everyone feels respected, valued, and empowered. Our commitment is to provide equal opportunities and foster a sense of belonging that enables our employees to thrive and make meaningful contributions.