Credit Reviewer Senior Analyst

About Amartha

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

The Credit Reviewer is responsible for conducting independent reviews and assessments of credit portfolios to ensure compliance with the organization’s credit policies, procedures, and regulatory requirements. The role focuses on evaluating the quality of credit decisions, identifying emerging credit risks, and recommending corrective actions to strengthen the credit process and portfolio performance.

Responsibilities

• Conduct a credit end to end process review and prepare the report.
• Analyze credit product proposals from internal.
• Identify risk, room for improvement and prepare recommendations after review.
• Setup methodologies to identify potential borrowers from multiple datasource.
• Perform independent reviews of credit proposals, renewals, and existing credit exposures to assess creditworthiness and risk rating accuracy.
• Evaluate adherence to internal credit policies, approval processes, and regulatory guidelines.
• Analyze financial statements, business performance, and collateral adequacy to assess repayment capacity and risk exposure.
• Identify trends, weaknesses, and potential problem credits within the portfolio.

• Bachelor Degree any field, from reputable University
• Minimum 2 years of relevant working experience, preferably from start-up/tech company or financial industry.
• Good knowledge about credit risk flow process
• Intermediate proficiency in using data tools (SQL, BigQuery, etc)
• Excellent communication skill and stakeholders’ management
• Strong analytical skills and problem solving
• Adaptable and wiling to travel
• Have Credit portfolio management experience will be an advantage.
• Self motivated and detail oriented

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.