FLIN - Assistant Manager/Manager - Credit Risk & Policy

Credit Risk & Policy Manager

As a Credit Risk & Policy Manager, you will play a strategic and operational leadership role in managing and mitigating credit risk for Indonesias first and only Dana Talangan Product. You will be responsible for designing risk policies, managing the end-to-end credit approval process, enhancing scorecards, and maintaining a high-performing loan portfolio.

This position requires strong business acumen, analytical strength, cross-functional collaboration, and leadership skills to drive sustainable business growth while minimizing risk.

Key Responsibilities

1. Credit Risk Management

- Identify, measure, and monitor credit risks across products and customer segments.

- Develop and update risk frameworks and policy guidelines aligned with business goals and regulatory requirements.

- Conduct risk-return assessments and stress testing scenarios to inform business planning.

2. Credit Approvals

- Approve unsecured lending applications within delegated authority.

- Guide and review decisions made by credit analysts, ensuring consistency and adherence to established policies.

- Investigate exceptions, fraud patterns, or high-risk cases, taking corrective actions as needed.

3. Policy & Scorecard Development

- Possess some data science background, build, train and continuously improve credit scorecards.

- Translate business learnings into policy revisions and rule-based decision systems.

- Evaluate new data sources (bureau, alternative data) for inclusion into risk models.

4. Portfolio & Performance Monitoring

- Analyze loan portfolio trends including delinquency, NPA, vintage performance, and loss rates.

- Create and manage early warning systems to identify and contain credit deterioration.

- Implement corrective actions, such as tightening policies, segment control, or revised limit strategies.

5. Reporting & Governance

- Own and automate key risk dashboards using Excel and SQL.

- Present regular risk reports and insights to senior leadership and risk committees.

- Ensure compliance with internal controls and external regulatory expectations.

6. Team Management & Cross-Functional Collaboration

- Lead and mentor a team of credit analysts in a cross-cultural, high-paced environment.

- Foster a data-first culture and build capabilities within the credit team.

- Work closely with collections, product, technology, and data science teams to develop end-to-end credit strategies.

Must-Have Qualifications

- 35 years of experience as a Credit Approver or Risk Manager in unsecured lending fintech, digital lending platforms, or retail NBFCs.

- Deep understanding of consumer credit lifecycle and risk analytics.

- Proven experience in credit policy development, scorecard implementation, and loan underwriting.

- Advanced skills in Excel (dashboards, financial modeling, risk calculators) and SQL (data extraction, risk aggregation, performance analysis).

- Experience in managing and mentoring teams across diverse cultural contexts.

Preferred Skills

- to bureau data, fraud detection models, or alternative data credit scoring.

- Familiarity with BI tools (e.g., Power BI, Tableau), Python/R for analytics (optional but a plus).

Soft Skills

- Strong analytical and critical thinking ability.

- Clear and structured communication, especially in presenting risk findings.

- Leadership mindset with the ability to influence cross-functional stakeholders.

- High attention to detail with ownership over deliverables.

About FLIN

The company's core business is consultancy and financial technology. The company aims to provide services to consumers across the Asia-Pacific region, with a focus on distressed assets. Through its cutting-edge technology products and robust platform, it specializes in distressed assets and the subprime sector.

The services encompass a focused array of financial services designed to cater to the unique needs of consumers through Loan Consolidation (Debt relief), Loan Restructuring, and Refinancing programs.

The company focuses on Indonesias first and only Dana Talangan Program, which is Sharia-compliant and non-Sharia, designed to help consumers pay down debt faster and take control.

By leveraging its partnerships and deep industry expertise, it aims to reduce the size of the distressed asset market, creating opportunities for recovery and growth. The approach is client-centric, ensuring personalized solutions that address each client's specific challenges and financial goals.

Our investors

The Company is backed by reputed strategic investors and operators based in the USA and India. They manage multi-million-dollar assets with diversified interests in the financial services, energy, and technology sectors.

The Company is backed by reputed strategic investors and operators based in the USA and India. They manage multi-million-dollar assets with diversified interests in the financial services, energy, and technology sectors.