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.