VP of Underwriting
Responsibilities
- Define and lead the underwriting strategy, ensuring alignment with risk appetite and business objectives.
- Own credit policy development and governance, ensuring consistent application across all dealer financing decisions.
- Partner with senior leadership to balance growth and credit quality.
- Lead and mentor the Head of Underwriting Operations and broader credit operations team.
- Collaborate cross-functionally with Risk, Operations, Product & Tech, and Business to improve decision-making, tools, and processes.
- Act as the senior escalation point for complex or high-value credit cases.
- Ensure robust controls and data integrity across all underwriting processes.
- Oversee post-onboarding quality checks, including the resurvey process, to ensure portfolio health.
- Drive continuous improvement through automation, analytics, and process innovation.
- Monitor key underwriting and portfolio performance metrics, identifying trends, risks, and opportunities.
- Use insights to refine credit models, policies, and operational practices.
- Minimum 10+ years of solid credit underwriting experience in the car financing or financial services industry, with experience managing a team.
- Strong understanding of operational workflows, risk frameworks and compliance.
- Experience overseeing post-onboarding reviews, including resurvey and dealer health tracking.
- Excellent leadership, analytical, and communication skills.
- Ability to operate in a fast-paced, cross-functional startup environment.
- Fluent in English and able to work closely with local Indonesian and Singapore teams.
About Moladin
Moladin is Indonesia’s leading mobility fintech platform with end to end financing solutions for all players in the used car and EV ecosystem. Moladin empowers its rapidly growing network of more than 26,000 active used car agents and dealer MSMEs, and provides used car consumers with better financing access through digitized loan underwriting. This is supported by its strong used car capabilities with branches and warehouses covering more than 100 cities, industry-leading AI / IoT and partnerships with all top auto financing companies across Indonesia, and also through its OJK-regulated multi-finance company PT Moladin Finance Indonesia. Moladin’s vision is to be a positive driving force in the physical and social mobility of all the people it touches (“Mobility for all”).
For further information about Moladin, please visit https://moladin.com