Credit Risk & Collection Strategy Specialist

Job description

ROLE OBJECTIVESTo support end-to-end credit risk management and collection strategies to maintain a healthy bank portfolio. This position is responsible for processing data, monitoring credit performance, and helping implement policies from loan origination to the recovery process for both Conventional and Sharia products. The main focus is providing analytical support to measure potential losses and optimize collection strategies in compliance with applicable regulations. ROLE ACCOUNTABILITIESConduct periodic data analysis to monitor credit portfolio quality and identify potential risks earlyHelp design credit criteria policies and credit limit parameters for both Conventional and Sharia product customersDevelop and monitor the implementation of efficient collection strategies to minimize bank lossesPrepare regular and accurate portfolio performance and risk reports to support management oversightConduct A/B testing on collection strategies and scoring models to find the most optimal methodsEnsure all field operational procedures comply with Risk Management standards and local regulationsPerform deep and comprehensive data analysis (risk scenarios, trends, and patterns) to provide technical insights for the Credit Risk & Collection Strategy Lead GENERAL REQUIREMENTBachelor's or Master's Degree (S1/S2) in Economics, Statistics, or Engineering, with at least 3–6 years of experience in Collection Strategy and/or Credit Risk ManagementRisk Management / LSPP CertificationGood understanding of basic credit risk management principles and the customer collection cycle SKILLS & KNOWLEDGEUnderstanding of basic customer risk assessment, portfolio analysis, and collection procedureProficient in using data analysis tools such as SQL, BigQuery, Python, or other data analytics softwareAbility to turn technical datasets into easy-to-understand information or chartsHigh attention to detail when reviewing financial statements or customer data profileAbility to work collaboratively in a dynamic and matrixed organizational environmentStrong skills in writing detailed technical documentation to support strategic decision-making