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 Team
Amartha is actively expanding its digital risk management team as part of our strategic focus on digital transformation in 2025. We are looking to strengthen our capabilities in managing digital lending risks to support our growing portfolio of digital financial products. To this end, we are currently seeking a highly skilled Senior Digital and Embedded Lending Risk Lead to join our team. This role will play a critical part in shaping and overseeing the risk management strategies for our digital lending platforms, ensuring that we continue to provide secure and effective financial solutions to our customers while mitigating potential risks in a rapidly evolving digital landscape.
Responsibilities
- Develop and maintain credit risk policies and frameworks for digital lending products and/or embedded finance products.
- Analyze credit data and customer profiles to define lending thresholds, risk tolerance, and approval criteria.
- Establish exposure limits-based analysis for partners.
- Propose risk-adjusted pricing strategies based on customer risk profiles.
- Monitor portfolio performance and loan repayment trends to adjust risk policies and mitigate potential losses.
- Collaborate with data science teams to continuously improve risk scoring models and decision engines.
- Partner with product, business, operation, collection etc to align credit policies with business growth strategies and customer needs.
- Prepare reports and presentations on portfolio health and risk exposure for stakeholders
- Drive innovation in credit risk assessment methods, particularly using alternative data sources and digital-first strategies.
- Monitor changes in regulatory environments and adjust policies to maintain compliance with evolving legal frameworks.
- Bachelor’s degree in Finance, Economics, Engineering, Business Administration, or a related field are a plus.
- 5+ years experience in credit risk management, policy development, or risk analysis, ideally within digital lending, banking, leasing (multifinance) and fintech.
- Strong understanding of credit underwriting and portfolio management.
- Experience working within the embedded finance space/ managing risk in partnership with third-party platforms
- Excellent communication and collaboration skills with the ability to work across teams and external partners
- Familiarity with digital lending platforms, credit technology, and alternative lending models is a plus.
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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