Appraisal (SME Financing)

• Conduct customer visits and surveys to gather the necessary information and documentation for assessing customer eligibility.
• Thoroughly evaluate the condition of collateral (property/land/building) and provide recommendations on the value of the collateral in the system.
• Ability to compare and collaborate with KJPP on property valuation, as well as verify the collateral value by conducting at least three (3) valid data comparisons in the surrounding area.
• Demonstrate commitment to a target number of visits and comply with SLA processing time and SOP implementation.
• Perform the know-your-customer (KYC) process, validate documents, verify collateral, and identify potential fraud.
• Have a keen understanding of property value and ownership (ownership title) and conduct on-site verification with customers.

• Minimum Bachelor's or Master's Degree from a reputable university.
• Minimum of 3 years of industry experience in the evaluation of SME, Micro SME, or Commercial Loans.
• Proficient understanding of property valuations across different areas, including the ability to identify factors that may affect the value of collateral.
• Thorough knowledge of the credit process and underwriting, covering loan submission, documentation, appraisal policy, collateral approval analysis, collateral security title, and legal document review.
• Demonstrates exceptional attention to detail and a high level of interest in analyzing customer data.
• Highly accountable with a strong sense of integrity, commitment, and discipline.

About Moladin

Moladin is Indonesia’s leading used car fintech and marketplace. We are transforming the used car industry by empowering all players using our proprietary operational, financing, AI and IoT capabilities. We target to continue to grow strongly and explore more opportunities in the coming years. As a Tech start-up, we have one of the most seasoned and deep management teams plus have received strong financial backing from top investors including Sequoia Capital, Rocket Internet, East Ventures, Northstar and DST Global. We have offices based in Indonesia and an office in Singapore. Please refer to our website at for more information.