fanjifirdaus

Head Of Credit Risk

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Risk management leader with 8+ years of experience in fintech, digital lending, and
banking, currently serving as Head of Credit Risk. Proven track record in scaling
lending portfolios while maintaining strong risk control through data-driven
strategies, robust credit frameworks, and cross-functional leadership.
Demonstrated ability to balance aggressive business growth with disciplined risk
management, achieving significant improvements in portfolio performance,
approval efficiency, and loss reduction. Experienced in leading end-to-end credit
risk lifecycle across SME, corporate, and consumer segments, with regional
exposure (Indonesia, Singapore, Vietnam). Strong focus on building scalable risk
systems to support high-growth environments.

Experience: 9 years

Yearly salary: $140,000

Hourly rate: $100

Nationality: 🇮🇩 Indonesia

Residency: 🇮🇩 Indonesia

Experience

Head of Credit Risk
Mekari
2023 - 2024
Built end-to-end credit risk framework for ecosystem financing, onboarding 100+ companies in 3 months. Designed credit scoring models and underwriting process, reducing SLA to 3 days. Drove 20% QoQ revenue growth through optimized risk strategy. Maintained NPL below 2% consistently. Implemented fraud mitigation and compliance systems reducing losses by 50%.
Senior Credit Risk Analyst
Aspire
2021 - 2023
Led financial and credit assessment across Indonesia, Singapore, and Vietnam markets. Improved assessment efficiency (SLA from 5 → 3 days) and increased processing capacity by 50%. Accelerated credit approval process (3 days → 1 day) through improved credit memo and committee workflow. Supported portfolio growth contributing to 70% YoY increase and 30% revenue growth. Assessed diverse business models including SME, corporate, and startup segments.
Senior Credit Risk Analyst
OK!P2P (OK Bank GROUP)
2019 - 2021
Managed team of 10 analysts handling ~200 applications daily. Maintained NPL below 2% through effective underwriting and monitoring. Led credit decisioning and operational risk control.
Credit Risk Analyst Team Leader
Atome
2017 - 2019
Managed team of 13 analysts handling ~1,000 applications daily. Ensured SLA under 12 hours for credit processing. Maintained NPL below 2% through quality control and risk monitoring. Developed performance tracking and reporting systems.
Commercial Credit Analyst
PT Bank Central Asia Tbk
2016 - 2017
Conducted financial analysis, SLIK checks, and credit assessments. Prepared credit memos for approval processes. Performed site visits and business validation.

Skills

analyst
english
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