Risk Portfolio & Policy

• Develop and maintain credit risk acquisition policies and scorecard logic for SME, micro, and productive loans.
• Review and enhance existing risk acceptance criteria, ensuring alignment with market conditions and regulatory guidelines.
• Analyze portfolio trends and performance (e.g., approval rates, delinquency, default) across different segments and products.
• Identify early warning signals and propose mitigation strategies.
• Contribute to model development and calibration for credit scoring and risk segmentation.

• Minimal 2 years of experience in Risk Management, Policy, or Portfolio Management within Multifinance (Micro/SME Loan/Fleet Product) and P2P fintech (B2B or Productive Loan).
• Understanding of credit risk frameworks, underwriting principles, and regulatory requirements.
• Experience in developing risk models, portfolio analytics, and policy frameworks.
• Strong communication skills to engage with cross-functional stakeholders.
• Possessing a good level of skill and expertise in using the software suite, including programs like Google Docs, Google Sheets, Google Slides, and others.

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