Senior Lending Analyst - Portfolio & Risk Analytics
On-siteJakarta, Jakarta, Indonesia or Kuala Lumpur, Kuala Lumpur, Malaysia
Job Summary
Own core credit risk metrics including delinquency rates, non-performing loan ratio, collection rate, and provisioning adequacy, ensuring they are accurate, reconciled, and traceable to an approved source of truth. Build and maintain cohort-based vintage analysis to track quality trends across markets and products, while monitoring credit concentration risk against internal limits. Connect macroeconomic indicators to portfolio performance by building dashboards that provide leadership with early visibility into emerging risks. Partner with Risk, Credit, Data Science, Finance, and Engineering to align on metric definitions and present findings to leadership.
Required Qualifications
- 5+ years of experience in credit risk, portfolio, or lending analytics
- ideally within a regulated lending or financial services environment
- Working knowledge of core credit risk concepts: delinquency and non-performing loan metrics, vintage/cohort analysis, concentration risk, credit loss provisioning
- Strong SQL skills
- experience with BI or data visualisation tools
- Strong, structured problem-solving and analytical reasoning
- Ability to translate portfolio risk findings into clear recommendations for leadership
- Independent and proactive
- comfortable operating with ambiguity
- rigorous about data governance
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