About Us Ringkas is helping to democratize home ownership in Indonesia, which facilitates access to financing to help home seekers become homeowners. Ringkas is built by experienced founders from Google, Amazon, and Dell, with backgrounds in tech who have scaled products and digital businesses worldwide. We are backed by VCs and several prominent angel investors who have built FinTech platforms for millions of people in Indonesia and the US. Our vision is to democratize home ownership and make it accessible for everyone. Our mission is to make homeownership simpler, faster, and accessible for all. We believe homeownership should be fast, transparent, and low-cost for all. Home and mortgage finance has operated through traditional opaque systems for years. We are redefining the process by building an end-to-end digital infrastructure, leveraging technology to enhance efficiency and deliver a seamless customer experience. Our team of experts in technology and finance is focused on creating more efficient and accessible financing while ensuring underwriting decisions are compliant through our bank partners. We are looking for an experienced risk analyst with deep expertise in credit risk analysis, particularly in mortgages. This is a critical role where your experience will help the day-to-day credit approval decisions of our bank partners through continuously enhancement and refinement our underwriting platform processes and technology. You will work closely with our data science team to develop models that improve decision-making, while ensuring that human judgments also considered in the process.

Key Responsibilities

• Risk Analysis and Assessment
  • Perform credit and portfolio risks analysis.
  • Develop and enhance risk scoring models to ensure robust underwriting processes.
  • Provide real-time insights to improve decisions on loan applications.
• Model Development and Analytics
  • Collaborate with data scientists to design and refine predictive models for credit decisioning and portfolio management.
• Underwriting Innovation
  • Identify opportunities to innovate and streamline underwriting practices using technology.
  • Work with product, technology, and other teams to realize the innovation
  • Monitor and test the effectiveness of implemented models and strategies, iterating for improvement.
• Policy and Strategy Support
  • Provide insights and recommendations to refine risk policies and strategies.
  • Support the development of risk appetite frameworks and ensure adherence to regulatory requirements and banking partner standards.
• Stakeholder Collaboration and Reporting
  • Prepare and present risk analysis reports for senior management and key stakeholders.
  • Collaborate with cross-functional teams including data science, operations and product development.
  • Contribute to the development of dashboards and tools for real-time portfolio monitoring.

Qualifications

Education: Bachelor’s or Master’s degree , from reputable university (UI, ITB, UGM,…) is a plus

Experience:

• 3–5 years of experience in credit risk analysis and underwriting
• Proven track record in developing and managing credit scoring models and underwriting strategies.

Knowledge:

• Deep understanding of credit risk principles, underwriting & collection practices, and regulatory frameworks in Indonesian financial sector.
• Expertise in assessing consumer credit risk in particular collateralized loan.

Skills:

• Analytical problem-solving skills and attention to detail, with a passion for continuous improvement
• Excellent written and verbal communication
• Ability to manage multiple projects and work collaboratively in a fast-paced environment