Senior Underwriting Analyst

About the role

Kredivo is hiring a Senior Analyst - Risk Underwriting in its Jakarta office. The role helps shape credit limit, approval and risk strategy for consumer lending and paylater (BNPL) products, reporting to the Underwriting Manager. You will optimise credit limits and approval thresholds while keeping portfolio risk within appetite.

Key responsibilities

• Optimise credit limits and approval thresholds as portfolio behaviour changes
• Track portfolio risk metrics such as FPDs, DPDs and vintages, and act early on deterioration
• Design, run and monitor underwriting and limit experiments (A/B, champion-challenger) and program revamps
• Support risk-based pricing decisions for the products
• Define and track risk appetite
• Work with Product, Data Science and other risk teams

Required profile

• 3-5 years in credit risk, underwriting or risk analytics, ideally in consumer lending, BNPL, paylater or fintech
• Hands-on experience with credit limits, cut-offs, credit policy or underwriting rules, including running experiments
• Able to turn analysis into clear recommendations and own work end to end

Required skills

• Strong SQL and Tableau or Power BI (visualization tool)
• Python is a plus
• Experience with credit bureau data is a plus