Credit Risk and Portfolio Management Senior Lead

About the Company

Amartha is a technology company focused on creating shared prosperity by developing digital financial solutions for the grassroots economy. Founded in 2010 as a microfinance institution, Amartha connects rural, women-led micro-enterprises with affordable capital.

Responsibilities

• Lead the development, implementation, and optimization of credit risk policies across Amartha's lending products
• Monitor and analyze loan portfolio performance, trends, and segmentation to inform strategic decisions
• Collaborate with data science, product, and operations teams to balance growth with portfolio health
• Identify emerging risks and proactively propose mitigation strategies to maintain asset quality
• Support financial planning by providing accurate credit forecasts, provisioning inputs, and risk-adjusted return insights
• Deliver clear and actionable reports and presentations to senior management and stakeholders

Requirements

• Bachelor’s or Master’s degree in Finance, Economics, Business, Statistics, or related fields
• 10+ years of experience in credit risk management, loan portfolio analytics, or strategy
• Strong knowledge of credit lifecycle management, risk segmentation, and portfolio strategy
• Proficiency in SQL, Excel, and data visualization tools (e.g., Tableau, Power BI)
• Ability to interpret complex data into strategic insights

Preferred Qualifications

• Experience with machine learning-based credit scoring or alternative data models
• Familiarity with regulatory frameworks such as OJK, Basel, or IFRS 9
• Knowledge of borrower behavior in microfinance or MSME segments
• Strong leadership skills with experience managing cross-functional projects