Overview
Credit Supervisor Jobs in Jakarta Metropolitan Area at Imoto Technologies – Indonesia
Title: Credit Supervisor
Company: Imoto Technologies – Indonesia
Location: Jakarta Metropolitan Area
JOB PURPOSE
To supervise and manage the credit analysis process to ensure all financing applications are assessed accurately, in accordance with company policies and risk management standards, while maintaining a healthy credit portfolio and minimizing potential credit risks.
KEY RESPONSIBILITIES
1. Credit Analysis Supervision
- Supervise the creditworthiness analysis process conducted by Credit Analysts for prospective customers.
- Ensure the credit evaluation process follows the 5C principles (Character, Capacity, Capital, Collateral, and Condition).
- Review credit analysis reports and provide approval within the authorized approval limit.
- Ensure all credit recommendations comply with the company’s credit policies and procedures.
2. Credit Document Evaluation
- Ensure completeness and accuracy of required credit documentation including:
- Identification documents (ID Card / KTP)
- Family Card (KK)
- Tax Identification Number (NPWP)
- Salary slips or business financial statements
- Vehicle or asset ownership documents
- Ensure all submitted documents comply with the company's compliance and regulatory requirements.
3. Credit Risk Control
- Identify potential credit risks and Non-Performing Loans (NPL).
- Conduct risk mitigation through:
- repayment capacity analysis
- customer data verification
- cross-checking field survey results.
- Ensure credit decisions maintain the quality of the company’s financing portfolio.
4. Coordination with Related Departments
Coordinate and collaborate with internal teams including:
- Sales / Marketing Team for customer data clarification.
- Survey Team regarding field investigation results.
- Collection Team to monitor credit performance and portfolio quality.
- Ensure smooth communication between departments during the credit approval process.
5. Credit Portfolio Monitoring
- Monitor the performance and quality of approved financing facilities.
- Analyze portfolio performance indicators such as:
- Delinquency rate
- NPL ratio
- Customer credit quality.
- Provide recommendations to management for portfolio improvement.
6. Team Supervision and Development
- Supervise and guide Credit Analysts / Credit Officers.
- Conduct regular performance evaluations for team members.
- Provide coaching and training related to credit analysis, policy updates, and risk awareness.
7. Reporting
- Prepare regular reports for management regarding:
- total credit applications received
- credit approval rate
- credit portfolio quality
- potential credit risks.
- Ensure reporting accuracy and timely submission.
QUALIFICATIONS
- Bachelor’s Degree in Finance, Accounting, Management, Economics, or related fields.
- Minimum 3–5 years of experience in credit analysis or credit risk management, preferably in a leasing or multifinance company.
- Experience in team supervision is preferred.
COMPETENCIES
- Strong knowledge of credit analysis and risk management.
- Understanding of leasing or financing products.
- Analytical and problem-solving skills.
- Leadership and team management ability.
- Strong communication and coordination skills.
- Proficiency in Microsoft Excel and credit processing systems.
Key Performance Indicators (KPI)
- Credit approval turnaround time
- Accuracy of credit analysis
- Credit portfolio quality
- Non-Performing Loan (NPL) ratio
- Team productivity and performance
