Risk Management Officer

Responsible for banking risk management, including reviewing credit processes and analysis, preparing regulatory reports and bank risk profiles, stress testing, scoring validation, calculating market and funding risks, and monitoring the implementation of policies and risk management follow-ups.

Responsibilities

Update the Risk Appetite & Risk Tolerance through Board of Directors Decrees (SK Direksi) and conduct studies using historical data; Responsible for reviewing the credit granting process and credit analysis for both MSME and Commercial & Corporate Banking; Prepare the Bank Health Level Report (Tingkat Kesehatan Bank - TKB); Prepare the Internal Capital Adequacy Assessment Process (ICAAP) report / Bank Minimum Capital Requirement; Responsible for performing score validation for Tunaiku credit scoring through backtesting processes; Responsible to calculate market and liquidity stress test, Liquidity Coverage Ratio (LCR), Net Stable Funding Ratio (NSFR) and Interest Rate Risk in the Banking Book (IRRBB); Prepare the Bank Risk Profile Report; Calculate Risk-Weighted Assets (RWA / ATMR) for Market Risk; Monitor the maximum limit allocation for Tunaiku (credit limits > IDR 30 Million); Calculate the funding profile via the Internal Liquidity Adequacy Assessment Process (ILAAP); Accountable for the overall Risk Management Function activities assigned under his responsibility; Innovate strategies to mitigate identified risks, apply risk management methodologies and risk analysis tools, and integrate insurance policies of treating prioritized threats with the project management team

Requirements

Bachelor's degree (S1) in Finance, Accounting, Economics, Business Administration, Applied Mathematics, Statistics, or a related quantitative field; Minimum 3-5 years of relevant experience in Banking Risk Management, Market Risk, Liquidity Risk, or Enterprise Risk Management (ERM) in the banking sector; Strong working knowledge of OJK regulations regarding Bank Risk Profile (TKB), ICAAP, ILAAP, and Market Risk RWA (ATMR) calculations; Experience in conducting Macroeconomic Stress Testing and credit scoring model validation/backtesting; Solid background in reviewing credit analysis and processes for MSME and Commercial/Corporate banking facilities; Proficiency in financial modeling, quantitative data analysis, and advanced Excel skills

Nice to have

Holds relevant risk management certifications; Prior experience working with digital lending products, fintech credit risk models, or retail credit products