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Senior Credit Risk Analyst at PT Solusi Gadai Pintar

Posisi Senior Credit Risk Analyst
Tayang 28 Jun 2026
Berakhir 28 Jul 2026
Perusahaan PT Solusi Gadai Pintar
Lokasi Indonesia | ID
Tipe Pekerjaan Full Time

Deskripsi Pekerjaan:

Informasi lowongan terbaru dari PT Solusi Gadai Pintar untuk posisi Senior Credit Risk Analyst. If the Senior Credit Risk Analyst di Indonesia 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 PT Solusi Gadai Pintar untuk posisi Senior Credit Risk Analyst di bawah ini sesuai dengan kualifikasi Anda.

The role

We are looking for a Senior Credit Risk Analyst to own our risk framework end-to-end — from gold pricing methodology and LTV-rate setting to portfolio monitoring across our gold and BPKB loan books. This is a high-ownership, individual contributor role at the centre of our lending operations. You will work directly with senior leadership to develop policies, pricing models, and risk controls that govern how we lend, how we hedge, and how we protect the business.

What you'll own
  • Gold pricing & LTV setting — Define and maintain the LTV framework and interest rate structure for gold-backed loans, balancing risk appetite against commercial competitiveness.
  • Daily gold price reference methodology — Design and maintain the methodology for setting our internal daily gold price reference level, benchmarked against market rates.
  • Gold hedging / insurance strategy — Develop and execute a gold price risk management framework, including hedging instruments or insurance structures to protect against gold price volatility.
  • Loan restructuring & settlement policies — Design policies and decision criteria governing loan restructuring, repayment extensions, and settlement scenarios for both gold and BPKB products.
  • Branch-level insurance coverage — Determine and monitor appropriate insurance coverage per branch, calibrated to the asset value held at each Lokasi.
  • BPKB portfolio monitoring — Maintain regular monitoring of the BPKB loan portfolio including loss rates, collection rates, vintage analysis, and early warning indicators.
  • Borrower credit scoring — Maintain and iterate on credit scoring models for borrowers, incorporating repayment behavior and portfolio data over time.
  • Portfolio analytics & recommendations — Produce regular portfolio health reports and translate findings into concrete policy or operational recommendations for leadership.
What we're looking for
  • Minimum 4 years of experience in credit risk, ideally in a pawnshop (Pegadaian / gadai swasta) or multifinance environment.
  • Hands‑on experience with gold lending — LTV methodology, gold price dynamics, and gold collateral management — is a significant advantage.
  • Familiarity with vehicle‑secured (BPKB) lending and associated portfolio risk metrics.
  • Strong grasp of loan portfolio analytics: loss rates, collection rates, vintage curves, and roll‑rate analysis.
  • Comfort working in a lean, execution‑oriented environment — you will be expected to move from problem identification to policy draft quickly.
What’s out of scope

Operational risk, security risk, and fraud risk are managed by separate functions. This role focuses exclusively on credit and market risk.

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Info Pekerjaan:

  • Perusahaan: PT Solusi Gadai Pintar
  • Posisi: Senior Credit Risk Analyst
  • Lokasi Kerja: Indonesia
  • Negara: ID

Cara Mengirimkan Lamaran:

Setelah membaca dan memahami kriteria serta persyaratan kualifikasi minimum yang dijelaskan dalam informasi pekerjaan Senior Credit Risk Analyst at the office Indonesia 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.

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