Senior Underwriting Analyst

Kredivo is hiring a
Senior Analyst - Risk Underwriting
in Jakarta Office who help shape credit limit, approval and risk strategy for our consumer lending and paylater (BNPL) products. This position will report to the
Underwriting Manager
and will be accountable for optimising credit limits and approval thresholds while keeping portfolio risk within appetite.
In this role you will also be responsible for tracking key risk metrics such as FPD and DPD, and for designing and monitoring underwriting experiments, and supporting risk-based pricing and benchmarking our performance against the market using credit bureau data.
About the job:
To optimise credit limits and approval thresholds as portfolio behaviour changes
To track portfolio risk metrics such as FPDs, DPDs and vintages, and act early on deterioration
To design, run and monitor underwriting and limit experiments (A/B, champion-challenger) and program revamps
To support risk-based pricing decisions for our products
To define and track risk appetite
To work with Product, Data Science and other risk teams
About you:
3–5 years in credit risk, underwriting or risk analytics, ideally in consumer lending, BNPL, paylater or fintech
Hands-on experience with credit limits, cut-offs, credit policy or underwriting rules, including running experiments
Working knowledge of risk metrics (FPD, DPD, vintage) and risk-based pricing
Strong SQL & Tableu/Power BI (visualization tool); Python is a plus
Experience with credit bureau data is a plus
Able to turn analysis into clear recommendations and own work end to end
If this sounds like you, we would love to hear from you!
#LI-AL1