PR/122944 | Risk Management Manager (Credit Analyst & Internal Audit)

Job Responsibility: 

• Identifying risks specific to leasing and multifinance operations, such as residual value risks, customer defaults, or fraud.

• Developing strategies to mitigate risks related to asset depreciation, lease agreements, and credit defaults.

• Ensuring compliance with regulations specific to multifinance and leasing industries, including OJK (Indonesia Financial Services Authority) requirements.

• Evaluating the creditworthiness of individuals or businesses applying for leasing or financing services, considering factors like the nature of leased assets and repayment capacity.

• Analyzing industry-specific risks, such as market demand for financed assets (e.g., vehicles or machinery).

• Recommending approval or denial of leasing or financing applications based on comprehensive financial and risk assessments.

• Auditing lease agreements, customer contracts, and financing operations to ensure compliance with internal policies and regulatory standards.

• Assessing the effectiveness of controls related to asset management, loan disbursement, and repayment tracking.

• Identifying inefficiencies in leasing and financing workflows and recommending improvements to enhance operational reliability.

• Reporting to Corporate General Manager 

Requirements: 

• +5 years experience as risk management for leasing, rental, multifinance industry 

• Experienced in handling credit analysis and internal audit 

• Experience in Japanese company will be a plus point 

• Advanced in English is mandatory 

• Experience in leading a team or division 

• Great leadership, communication skills, flexible, detail oriented 

• Bachelor's degree in Finance, Management or related field