Credit Analyst SME Financing

Responsibilities

• Conduct credit risk analysis on prospective SME borrowers applying for invoice or PO-based financing.
• Analyze financial statements, bank statements, transaction histories, and credit bureau (SLIK/Pefindo) data.

Validate supporting documents such as purchase orders, invoices, delivery receipts, and supplier contracts to ensure authenticity and eligibility.

• Ensure consistency across documents such as PO vs invoice vs delivery note.
• Check counterparty credibility (e.g., anchor buyers or suppliers), including blacklist screening and payment reliability.
• Assess risk exposure related to invoice factoring, receivables aging, and PO execution.
• Structure recommendations including tenor, limit, disbursement control, and collateral (if applicable).
• Recommend additional covenants or monitoring actions for high-risk exposures.
• Present proposals to the Credit Committee with clear risk/return justification.
• Collaborate with Risk and Credit Ops teams to ensure timely disbursement and post-disbursement checks.
• Flag early warning signals or deviations from approved structures.
• Contribute to product refinement by providing feedback on borrower quality and risk trends.

Requirements

• Minimal 3 years of experience in P2P fintech/Multifinance/Banks
• (must have experience underwriting Invoice Financing and PO Financing applications).
• Understanding of credit risk frameworks, underwriting principles, and regulatory requirements
• Strong communication skills to engage with cross-functional stakeholders.
• Understand credit process and underwriting from loan submission, documentation, policy, approval analysis, collateral security.
• Attention to detail and interested in analyzing customer data, highly responsible, integrity, committed & disciplined.