At Amartha, we empower micro-businesses across Indonesia, enabling growth and equal prosperity. We’ve supported over 2.7 million entrepreneurs—mostly women—by disbursing IDR 22.8 trillion in funding. As we step into 2025, Amartha is evolving into a technology-driven financial ecosystem, expanding our reach in lending, funding, and payments. Through innovation and digital solutions, we aim to enhance accessibility, streamline processes, and create a seamless user experience.
About The Role
This role will be under our digital risk of management team. This role will be responsible to track the lending portfolio's performance, analyze trends and risks across segments, and provide insights to stakeholders on portfolio health. Suggest adjustments to credit policies and risk limits. Work with credit risk, underwriting, and data science teams to align risk models with business strategy and create monitoring dashboards. Help develop lending risk policies and prepare regular reports on credit risk and portfolio performance.
Responsibilities
- Monitor the performance of the lending portfolio, tracking key metrics.
- Conduct portfolio segmentation and cohort analysis to identify performance trends and potential risks across different segments and products.
- Provide actionable insights and recommendations to stakeholders on portfolio health, suggesting adjustment to credit policy and risk limits.
- Work closely with the credit risk and underwriting teams to align risk models with overall credit policy and business strategy.
- Work closely with the Data Science team in the preparation of dataset required to make monitoring dashboard and ad-hoc assessment.
- Participate in the creation of risk policies that govern the lending process and activities.
- Prepare regular reports on credit risk and portfolio performance for stakeholders
- Bachelor’s degree in Information Technology, Finance, Economics, Engineering, Business Administration, or a related field are a plus.
- 5+ years’ experience in credit risk analytics, portfolio management, risk management, preferably within banking, multifinance or fintech.
- Strong proficiency in data analytics tools e.g SQL, Phython, R, and advance Excel.
- Expertise in portfolio management handling lending portfolio in retail lending. Both consumer and productive lending is a plus.
- Strong analytical and problem-solving skills, with the ability to interpret data and make informed decisions.
- Excellent communication and collaboration skills with the ability to work across teams and external partners
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.
What We Do
We are a prosperity platform company to harmoniously build a strong economy from the grassroots in order to realize the grassroots communities of technology equity, inclusiveness and sustainability.
We believe prosperity platform is the right solution to deliver high quality digital financial services and to bridge the gap that brings shared prosperity to the World.
Amartha’s Team are highly compassionate people who are impatient to deliver their impacts to alleviate the sufferings of others.
Working at Amartha means you are part of dynamic and compassionate team who make impact on daily basis. It means you sign up for a high-paced environment where everyone is taking part in achieving success and make other people happier.
It also means you wake up every single day energized, and excited of what’s next to be done to help Indonesia and the world a more equitable and prosperous place to live for everyone.
It means you feel special, as whatever you do with Amartha makes a dent in the universe, healing the world a day at a time.
Working at Amartha means you are ready to help and alleviate each other, contribute your best with empathy and passion. As we go long miles, you need a team to achieve your success.
Working at Amartha means you have made a conscious choice to embark on a journey to creating a less painful world. A journey that makes you feel good, that you have contributed to a meaningful work every single day.
Join our impact mission! Check our career page now👉🏼 https://careers.amartha.com/
