Job Description

About the company

Geekhunter is hiring on behalf of our client, with core business is consultancy and financial technology. 

Job Responsibilities

Seek a detail-oriented and proactive Credit Operations Analyst/Associate, or Assistant Manager with 3-8 years of relevant experience in lending and payment operations. The ideal candidate will possess strong negotiation abilities, a deep understanding of credit documentation, and hands-on expertise in document collection and verification processes.

• Credit Documentation Management
  • Review, verify, and manage credit-related documents, including Loan Agreements, Covenants, Direct Debit Mandates, Debt Confirmations, and other contractual paperwork.
  • Ensure all documentation complies with internal policies and regulatory standards before loan disbursement and settlements.
  • Maintain substantial regulatory risk and oversight for all legal and credit documentation.
  • Support internal and external audits by providing accurate and timely documentation.
• Client Negotiation & Document Collection
  • Negotiate documentation timelines and requirements with clients and internal stakeholders to ensure alignment with business goals and KPI.
  • Build strong relationships with clients and act as the primary point of contact for all disbursement, settlements, and documentation-related queries.
• Lending, Payment Operations, and Collections
  • Process loan disbursements, repayments, and payment reconciliations in close coordination with the risk and finance teams.
  • Identify operational bottlenecks and propose actionable solutions to enhance efficiency in the disbursal and settlement process using the third-party platforms.
  • Monitor scheduled payments and ensure compliance with payment terms and covenants.
  • Help in assisting and building the collection infrastructure by laying down SOPs 
  • Build a strong connection with clients and make regular reminder calls to clients to ensure timely repayments.
  • Ensure mandatory field/client visits are done for the assigned client portfolio if the timely repayments are not made.
• Reporting & Documentation Tracking
  • Maintain accurate records of all document submissions, approvals, and exceptions
  • Build and generate frequent, regular reports for management on document status, payment schedules, and covenant compliance.
  • Foster a collaborative and high-performing work environment.

Job Requirements

• Bachelor’s degree in Finance, Commerce, Business Administration, or a related field.
• 3-8 years of proven experience in credit operations, payment operations, and collections.
• Mandatory experience working in NBFCs, banks, fintech, and P2P lending companies.
• Good command of Bahasa Indonesia and English (Mandatory).
• Mandatory strong proficiency with Data and MS Excel.
• Strong understanding of credit documentation, including Loan Agreements, Covenants, Direct Debit Mandates, Debt Confirmations, and related contracts.
• Excellent client interaction and negotiation skills.
• Experience in collection and recovery is a strong added advantage.
• Ability to work under pressure and handle multiple cases simultaneously.
• Familiarity with digital document management systems, automated lending platforms, and CRMs.
• Working knowledge of regulatory frameworks and industry best practices in credit and lending.

Benefits

• Opportunity to work with a dynamic and innovative team.
• Professional development and career growth opportunities.
• A collaborative and inclusive work environment.
• The chance to significantly impact the financial health of borrowers (businesses and consumers) across the South East Asia.