Credit Supervisor at Imoto Technologies - Indonesia

Deskripsi Pekerjaan:

Informasi lowongan terbaru dari Imoto Technologies - Indonesia untuk posisi Credit Supervisor. If the Credit Supervisor di Jakarta sesuai dengan kualifikasi Anda, silakan kirimkan lamaran atau CV terbaru Anda langsung melalui portal lowongan kerja Jobkos yang telah diperbarui.

Harap dicatat bahwa melamar pekerjaan mungkin tidak selalu mudah, karena kandidat baru harus memenuhi kualifikasi dan persyaratan tertentu yang ditetapkan oleh perusahaan. Kami berharap peluang karier di Imoto Technologies - Indonesia untuk posisi Credit Supervisor di bawah ini sesuai dengan kualifikasi Anda.

JOB PURPOSE

To supervise and manage the credit analysis process to ensure all financing applications are assessed accurately, in accordance with Perusahaan policies and risk management standards, while maintaining a healthy credit portfolio and minimizing potential credit risks.

KEY RESPONSIBILITIES

1. Credit Analysis Supervision

• Supervise the creditworthiness analysis process conducted by Credit Analysts for prospective customers.
• Ensure the credit evaluation process follows the 5C principles (Character, Capacity, Capital, Collateral, and Condition).
• Review credit analysis reports and provide approval within the authorized approval limit.
• Ensure all credit recommendations comply with the Perusahaan’s credit policies and procedures.

2. Credit Document Evaluation

• Ensure completeness and accuracy of required credit documentation including:
• Identification documents (ID Card / KTP)
• Family Card (KK)
• Tax Identification Number (NPWP)
• Salary slips or business financial statements
• Vehicle or asset ownership documents
• Ensure all submitted documents comply with the Perusahaan's compliance and regulatory requirements.

3. Credit Risk Control

• Identify potential credit risks and Non-Performing Loans (NPL).
• Conduct risk mitigation through:
• repayment capacity analysis
• customer data verification
• cross-checking field survey results.
• Ensure credit decisions maintain the quality of the Perusahaan’s financing portfolio.

4. Coordination with Related Departments

Coordinate and collaborate with internal teams including:

• Sales / Marketing Team for customer data clarification.
• Survey Team regarding field investigation results.
• Collection Team to monitor credit performance and portfolio quality.
• Ensure smooth communication between departments during the credit approval process.

5. Credit Portfolio Monitoring

• Monitor the performance and quality of approved financing facilities.
• Analyze portfolio performance indicators such as:
• Delinquency rate
• NPL ratio
• Customer credit quality.
• Provide recommendations to management for portfolio improvement.

6. Team Supervision and Development

• Supervise and guide Credit Analysts / Credit Officers.
• Conduct regular performance evaluations for team members.
• Provide coaching and training related to credit analysis, policy updates, and risk awareness.

7. Reporting

• Prepare regular reports for management regarding:
• total credit applications received
• credit approval rate
• credit portfolio quality
• potential credit risks.
• Ensure reporting accuracy and timely submission.

QUALIFICATIONS

• Bachelor’s Degree in Finance, Accounting, Management, Economics, or related fields.
• Minimum 3–5 years of experience in credit analysis or credit risk management, preferably in a leasing or multifinance Perusahaan.
• Experience in team supervision is preferred.

COMPETENCIES

• Strong knowledge of credit analysis and risk management.
• Understanding of leasing or financing products.
• Analytical and problem-solving skills.
• Leadership and team management ability.
• Strong communication and coordination skills.
• Proficiency in Microsoft Excel and credit processing systems.

Key Performance Indicators (KPI)

• Credit approval turnaround time
• Accuracy of credit analysis
• Credit portfolio quality
• Non-Performing Loan (NPL) ratio
• Team productivity and performance

Info Pekerjaan:

• Perusahaan: Imoto Technologies - Indonesia
• Posisi: Credit Supervisor
• Lokasi Kerja: Jakarta
• Negara: ID

Cara Mengirimkan Lamaran:

Setelah membaca dan memahami kriteria serta persyaratan kualifikasi minimum yang dijelaskan dalam informasi pekerjaan Credit Supervisor at the office Jakarta di atas, segera lengkapi berkas lamaran kerja seperti surat lamaran, CV, fotokopi ijazah, transkrip nilai, dan pelengkap lainnya sebagaimana dijelaskan di atas. Kirimkan melalui tautan Halaman Berikutnya di bawah ini.