Head of Credit Risk and Portfolio

Amartha is a technology company focused on creating shared prosperity by developing digital financial solutions for the grassroots economy. Founded in 2010 as a microfinance institution, Amartha connects rural, women-led micro-enterprises with affordable capital. Amartha is expanding as a tech company, building a microfinance ecosystem that connects to the growing digital economy through capital, investment, and payment services. By boosting the competitiveness of micro and small entrepreneurs, Amartha empowers women-led MSMEs, creates jobs, and fosters inclusive economic growth.

About The Role

This role is looking for a Portfolio Risk Senior Lead that plays a critical role in shaping Amartha’s credit policies, overseeing portfolio performance, and implementing risk strategies that align with our mission to support millions of underserved micro-businesses. You will collaborate with data, business, and operations teams to drive sustainable growth, reduce credit losses, and enhance financial inclusion across Indonesia. This role offers a unique opportunity to influence lending strategies at scale and contribute to a high-impact, purpose-driven organization.

Responsibilities

• Own the credit risk strategy — Define and drive the credit risk framework, policies, and risk appetite across all Amartha lending products, ensuring alignment with business growth targets and regulatory standards.
• Govern portfolio performance — Oversee end-to-end portfolio health through continuous monitoring, trend analysis, and segmentation, translating insights into strategic decisions for senior leadership.
• Lead cross-functional risk integration — Partner with Data Science, Product, and Operations leadership to embed risk considerations into product design and growth initiatives, balancing expansion with asset quality.
• Anticipate and mitigate emerging risks — Build early-warning systems and proactive mitigation strategies to safeguard portfolio quality ahead of market or macroeconomic shifts.
• Drive financial and risk planning — Provide credit forecasts, provisioning inputs, and risk-adjusted return analysis that directly inform company-wide financial planning and capital allocation decisions.
• Build organizational risk capability — Lead, mentor, and develop the credit risk team while establishing reporting standards and governance practices that ensure clear, actionable communication with senior management and the board.

Requirements

• Bachelor's or Master's degree in Finance, Economics, Business, Statistics, or a related field.

• 12+ years of experience in credit risk management, loan portfolio analytics, or strategy, preferably within fintech, P2P lending, or multi-finance institutions, with at least 3–5 years in a leadership or head-level capacity.

• Proven track record of designing and scaling credit risk frameworks and policies within a high-growth lending environment.

• Strong command of credit lifecycle management, risk segmentation, and portfolio strategy across diverse loan products.

• Excellent analytical and problem-solving skills, with proficiency in SQL, Excel, and data visualization tools (e.g., Tableau, Power BI).

• Demonstrated ability to translate complex data into strategic insights and communicate them persuasively to senior management, the board, and external stakeholders.

• Strong leadership and people management skills, with experience building and developing high-performing risk teams.

• Preferred Skills

• Experience working with machine learning-based credit scoring or alternative data models.

• Familiarity with regulatory frameworks such as OJK, Basel, or IFRS 9.

• Knowledge of borrower behavior in microfinance or MSME segments.

• Strong leadership skills with experience managing cross-functional projects.

• Ability to thrive in a fast-paced, mission-driven, and agile work environment.

• At Amartha, we are dedicated to creating a workplace that celebrates diversity, ensures equity, and fosters inclusion. We believe that diverse perspectives—shaped by factors such as gender, age, race, ethnicity, education, culture, and life experiences—drive innovation and growth.

• We actively welcome individuals from all backgrounds to join us in building an environment where everyone feels respected, valued, and empowered. Our commitment is to provide equal opportunities and foster a sense of belonging that enables our employees to thrive and make meaningful contributions.