Job description for Junior Credit Analyst at FLIN
Key Responsibilities:
- Conduct KYC checks and identity verifications in line with OJK and internal policy requirements.
- Assist in credit assessment by independently reviewing customer applications and preparing structured credit assessments for manager review and approval.
- Collect and verify documents from customers, coordinate to resolve discrepancies, and ensure complete and compliant file submissions.
- Maintain accurate records of credit evaluations, approvals, exceptions, and document submissions across trackers, dashboards, and CRM tools.
- Perform Bank Statement Analysis to assess income stability, cash-flow patterns, recurring obligations, and indicators of financial stress such as pinjol disbursements or bounced debits.
- Conduct Credit Report Analysis using CLIK/AFPI and internal data sources to evaluate repayment history, outstanding obligations, debt burden, and overall creditworthiness.
- Track early warning signals on the active portfolio and send early warning letters to customers along with escalating high-risk cases to the Credit Risk Analyst and Manager in a timely manner.
Qualifications:
- Bachelor’s degree in Finance, Commerce, Business Administration, or related fields from reputable universities.
- 1–2 years of experience in credit analysis, lending, or a related financial services role
- Strong written and verbal communication in Bahasa and English.
- Excellent proficiency in MS Excel (formulas, filters, pivots preferred).
- Excellent multi-tasking and organizational skills.
- Analytical, proactive, and self-driven with strong attention to detail and the ability to manage client interactions confidently and professionally.
- A team player who is hard-working, detail-oriented, and curious to grow in the fintech industry.
