Risk & Operations
Credit Risk
About us
We're a financial services company leveraging cutting-edge technology to provide fintech and financial solutions to the underserved Southeast Asia market. Our team is a diverse and carefully selected group of finance and tech professionals worldwide.With the successful launch of our first product. Our top-tier international talent continues to innovate and drive forward in our fast-paced and quality-driven environment.Our journey is marked by continuous learning, growth, and a passion for our work. We remain committed to breaking new ground, adapting, and thriving amidst the challenges and opportunities that lie ahead.
We're a financial services company leveraging cutting-edge technology to provide fintech and financial solutions to the underserved Southeast Asia market. Our team is a diverse and carefully selected group of finance and tech professionals worldwide.With the successful launch of our first product. Our top-tier international talent continues to innovate and drive forward in our fast-paced and quality-driven environment.Our journey is marked by continuous learning, growth, and a passion for our work. We remain committed to breaking new ground, adapting, and thriving amidst the challenges and opportunities that lie ahead.
This role will primarily fulfill three functions:
1) Representative of the credit team with the regulator - the candidate must be able to have a detailed understanding of the credit policies in place, and be able to explain and defend these policies to the regulator, and in turn provide insights from the regulator back to the credit team. This requires a deeply analytical person who is at the same time strong in communication and stakeholder management.
2) Build and execute productive loan credit policies - the candidate will need to help develop rules to evaluate and approve credit lines to large developers (or in the future perhaps other types of corporate loans). For this, understanding of reading company financial statements is a must, and experience with corporate loan or SME loan evaluation would be preferred.
3) Help localize general credit policies - the credit team needs market and regulation specific insights to help take into consideration country specific information. For this we need a candidate who has experience building policies using external data etc., and will be able to e.g. analyze data from external providers and see how they could be effectively used in credit policies.
1) Representative of the credit team with the regulator - the candidate must be able to have a detailed understanding of the credit policies in place, and be able to explain and defend these policies to the regulator, and in turn provide insights from the regulator back to the credit team. This requires a deeply analytical person who is at the same time strong in communication and stakeholder management.
2) Build and execute productive loan credit policies - the candidate will need to help develop rules to evaluate and approve credit lines to large developers (or in the future perhaps other types of corporate loans). For this, understanding of reading company financial statements is a must, and experience with corporate loan or SME loan evaluation would be preferred.
3) Help localize general credit policies - the credit team needs market and regulation specific insights to help take into consideration country specific information. For this we need a candidate who has experience building policies using external data etc., and will be able to e.g. analyze data from external providers and see how they could be effectively used in credit policies.
Requirements:
- Bachelor's degree in Finance, Economics, Accounting, Business Administration, or a related field.
- Several years of experience in credit risk analysis in Financial Industry.
- Excellent written and verbal communication skills to effectively present findings and recommendations.
- Proficiency in financial software, databases, and tools such as Excel, SQL, and risk management software.
- Familiarity with statistical analysis tools (e.g., SAS, R, Python) is often beneficial.
- Ability to identify potential credit risks and develop effective strategies to mitigate them.
- High ethical standards and integrity, especially in handling sensitive financial information.
- Ability to work collaboratively in a team environment, often with tight deadlines.
About working with us
- This position is based in Jakarta office
- We prefer to collaborate in person and don't offer remote work
- As an international team, English language proficiency is required
Our application process
Hiring is something we do with care. Because of that, having a transparent and thorough recruitment process is key. If you liked what you've read and are up for the challenge, here is what to expect after submitting your resume:
Hiring is something we do with care. Because of that, having a transparent and thorough recruitment process is key. If you liked what you've read and are up for the challenge, here is what to expect after submitting your resume:
- The hiring team reviews your application
- You get invited to an initial call with the hiring team
- Onsite Interviews with relevant team members
- Offer
Why you'll love it here
- We're all owners; Everyone at Honest gets ESOP (Employee Stock Option Plan)
- Provident Fund
- Training Course and Book Subsidies
- You'll be working with the smartest people in the industry
- A modern office right in the heart of Jakarta
- Top-of-the-line medical healthcare plan
- Monthly Wellness Allowance
- One of the best-funded startups in Southeast East Asia with Silicon Valley investors
- We don't believe in titles or hierarchy but value contribution & celebrate achievements as a team
Honest Hiring
At Honest, we're working hard to build the future of finance for Asia. To do so, we prioritize attracting the best talent worldwide to join us – regardless of their background and heritage.
At Honest, we are committed to equal employment opportunity regardless of race, color, ethnicity, ancestry, religion, national origin, gender, sex, gender identity or expression, sexual orientation, age, citizenship, marital or parental status, disability, or other class protected by applicable law. We are proud to be an equal-opportunity workplace.
If you want to change how people access finance in Asia, join us and help us build a global company where we're all proud to belong.
At Honest, we're working hard to build the future of finance for Asia. To do so, we prioritize attracting the best talent worldwide to join us – regardless of their background and heritage.
At Honest, we are committed to equal employment opportunity regardless of race, color, ethnicity, ancestry, religion, national origin, gender, sex, gender identity or expression, sexual orientation, age, citizenship, marital or parental status, disability, or other class protected by applicable law. We are proud to be an equal-opportunity workplace.
If you want to change how people access finance in Asia, join us and help us build a global company where we're all proud to belong.