Credit Supervisor - Jakarta Metropolitan Area - Imoto Technologies - Indonesia

Deskripsi

JOB PURPOSE

To supervise and manage the credit analysis process to ensure all financing applications are assessed accurately, in accordance with company 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 company'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 company'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 company'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 company.
• 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