Credit Analyst SME

• Responsible for approving all SME loan applications, demonstrating sound credit and business judgment, and adept at identifying high-risk, early warning signs, and potential fraud conditions in customer profiles.
• Experienced in handling SME loans secured with property collateral, ensuring compliance with established policies and standard operating procedures (SOP).
• Achieve daily targets for reviewing incoming loan applications and adhere to committed Service Level Agreements (SLA).
• Possess knowledge of industry practices, financial statement analysis, and a fundamental understanding of legal aspects related to collateral security and company documentation.
• Able to read and understand customer payment or Non-Performing Loan (NPL) performance for learning of future approval.
• Develop and propose mitigation strategies for financing customers to minimize lending risks, and effectively communicate solutions to sales, marketing, and business teams.

• Minimum Bachelor's or Master's degree from a reputable university.
• Having a minimum of 3 years of experience as a Credit Analyst in SME/Micro SME/Commercial Loans.
• Having authority limit approval with a minimum of 500 million and the ability to assess the creditworthiness of both individuals and companies.
• Proficient in comprehending the entire credit process and underwriting, including but not limited to loan submission, documentation, policy adherence, approval analysis, and collateral security evaluation.
• Demonstrate keen attention to detail and a strong interest in analyzing customer data. Exhibit qualities of high responsibility, 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.