About JULO:
JULO (www.julo.co.id) is a Jakarta based, digital lending company that is democratizing credit card access in Indonesia by building digital credit card for the masses.
JULO has acquired a fintech license from OJK and is the only fintech company in the country who extends the availability of credit through digital credit cards, using the power of alternative data and AI technology in our underwriting process, fraud detection and risk mitigation.
The founding team of JULO includes experienced operators who are US-educated, silicon-valley veterans anak bangsa from leading technology/ financial/ consulting companies.
JULO is backed by leading venture capital firms in Indonesia, Singapore and the USA, processing applications from all over Indonesia, and is about to enter a hyper-growth period.
We are looking for highly qualified, motivated, relentlessly resourceful, hands-on Head of Risk to work closely with its current management, Product, Data and development team.
Roles & Responsibility:
- Leading the move towards a more automated strategy that is fit for purpose: New data and new account management strategies.
- Manage all credit risk aspects of the Julo applicant and customers, reviewing and amending Criteria where necessary in order to ensure that the business is in line with the agreed Risk parameters for the cohort/portfolio.
- Lead the oversight and challenge on the development of new products, marketing and pricing campaigns that affects the risk profile of the customer and portfolio.
- Monitor and report on the performance against all key metrics including forward looking views with early escalation of trends and variations to ensure continued adherence to agreed Risk parameters.
- Responsible for defining parameters for ability to measure, monitor and control current and anticipated performance of the portfolios at all stages of the credit life cycle.
- Define credit risk portfolio management requirements and own the associated monitoring, control and forecasting requirements.
- Drive improvements in individual and team performance and contributions. This will involve personally coaching & monitoring colleagues to support their development.
Job requirements:
- Extensive experience of consumer credit risk management and associated analytical techniques and practices. This should include good knowledge of scorecards, stress testing & forecasting.
- Persuasiveness and inter-personal influencing skills, particularly at senior management level.
- Strong understanding of acquisition, customer management and arrears processes, systems and practices along with commercial, financial and legislative requirements and issues affecting the wider financial services industry.
- Planning and organisation expertise, including proven track record within a credit risk management environment in developing creative solutions to complex issues and delivery within defined timescales.
Contact:
E-mail your resume under the header Head of Risk to [Confidential Information]. Due to the high volume of CVs received, we contact only those applicants whose qualifications best match the position requirements.
