job description
Join Discovery Capital Finance Corp. as a Senior Credit Evaluator and play a pivotal role in shaping our financial risk management strategy in Bali's dynamic economic landscape!
Discovery Capital Finance Corp., a leading name in Southeast Asia's financial services sector, is seeking a meticulous and analytical Credit Evaluator to join our growing team in Bali. In this critical role, you'll be responsible for assessing creditworthiness, mitigating financial risks, and ensuring our lending portfolio remains robust and profitable. This is an exceptional opportunity to leverage your financial expertise while enjoying Bali's vibrant culture and work-life balance.
As our ideal candidate, you'll bring a keen eye for detail and a passion for financial analysis to our team. You'll work closely with our risk management and underwriting teams to evaluate loan applications, analyze financial statements, and make data-driven recommendations. This position offers the perfect blend of analytical challenges and strategic decision-making, all while contributing to the growth of our financial services in one of Indonesia's most exciting regions.
Bali isn't just a beautiful location - it's becoming a financial hub with increasing opportunities in fintech and traditional banking. By joining our team, you'll be at the forefront of this financial evolution while enjoying the island's world-class amenities, from stunning beaches to a thriving expat community. We offer competitive compensation, professional development opportunities, and a supportive work environment that values innovation and integrity.
If you're ready to take your credit evaluation career to the next level in a tropical paradise, we'd love to hear from you. Apply now and become part of Discovery Capital Finance Corp.'s success story in Bali!
Responsibility
- Conduct comprehensive credit evaluations for personal and business loan applications, assessing financial health and repayment capacity
- Analyze financial statements, credit reports, and supporting documents to determine creditworthiness and risk levels
- Develop and implement credit scoring models and risk assessment frameworks tailored to the Indonesian market
- Prepare detailed credit reports and recommendations for approval committees, highlighting key risk factors and mitigation strategies
- Monitor existing loan portfolios for early signs of delinquency and recommend appropriate actions
- Collaborate with underwriting and collections teams to optimize lending processes and reduce non-performing loans
- Stay updated on regulatory changes, economic trends, and industry best practices affecting credit risk management
- Maintain accurate records of credit evaluations and ensure compliance with internal policies and banking regulations
Qualifications
- Bachelor's degree in Finance, Accounting, Economics, or related field (Master's degree or professional certifications like CFA, FRM, or CPA is a plus)
- Minimum 3 years of experience in credit evaluation, risk assessment, or financial analysis within banking or financial services
- Strong understanding of Indonesian banking regulations and credit risk management principles
- Proficient in financial statement analysis, ratio analysis, and cash flow projections
- Experience with credit scoring systems and risk assessment tools
- Excellent analytical skills with attention to detail and ability to interpret complex financial data
- Strong communication skills to present findings and recommendations to stakeholders
- Proficiency in Microsoft Excel, financial modeling software, and banking systems