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
Amartha is strengthening its market and liquidity risk function to support its expanding lending and investment activities. We are seeking a Head of Market & Liquidity Risk to lead the development of risk frameworks, ensuring optimized capital efficiency while mitigating exposure to foreign currency (FX) fluctuations, liquidity gaps, and market risks.
This role will be responsible for managing a diverse portfolio of debt facilities, designing hedging strategies, and optimizing the maturity ladder to balance risk and profitability. You will collaborate closely with corporate finance, treasury, and external lenders to align risk management with business objectives.
Responsibilities
- Develop and implement risk policies related to market risk, liquidity management, and forex exposure, ensuring alignment with regulatory standards and business needs.
- Establish risk limits, loss provisions, and hedging strategies for all debt facilities, optimizing financial risk mitigation.
- Design and build monitoring tools to track exposure, potential losses, and risk provisions across all debt facilities.
- Analyze liquidity risk scenarios, stress testing, and cash flow projections to ensure financial resilience.
- Monitor and manage forex risks, advising on hedging strategies to minimize exposure and volatility.
- Work closely with treasury, finance, and investment teams to integrate risk assessment into financial planning and capital allocation strategies.
- Prepare risk reports and insights for senior management and regulatory compliance.
- Stay updated on market trends, regulatory changes, and best practices in liquidity and market risk management.
- 10+ years of experience in market and liquidity risk management, preferably in financial services, fintech, or banking.
- Strong expertise in risk modeling, loss provisioning, forex hedging, and financial risk policies.
- Proven ability to build risk monitoring tools and frameworks for debt facilities.
- Hands-on experience in liquidity stress testing, scenario analysis, and exposure management.
- Excellent analytical and problem-solving skills with a data-driven approach to risk management.
- Strong stakeholder management and communication skills, with the ability to work across finance, treasury, and investment teams.
- Familiarity with regulatory requirements related to liquidity and market risk in financial institutions.
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.
Top Skills
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/
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