Company Overview

AwanTunai is the leading vertical fintech player digitizing the offline FMCG supply chain in Indonesia. We solve for both operational and financing pain points through ERP software and integrated embedded financing for offline suppliers. Our traditional suppliers have aggregate annual sales of over $3bn+ and our embedded financing is on track to reach the annualized $1bn milestone next quarter. We have been growing revenues at an average 30% QoQ with 0.2% credit loss rates over the pandemic period across hundreds of traditional suppliers.

Our financial impact has won accolades from the UNCDF, Monetary Authority of Singapore, and with the IFC (World Bank Group) as a major shareholder. Management and our impact focused shareholders are committed to building a world class team regardless of diversity or location.

Our fraud management has won the trust of global banking groups (MUFG, OCBC), the largest local institutions (Bank BRI, Bank Mandiri), as well as global insurers (AA rated Munich Re) who protect our loan assets against credit default.

Job Description:

• Performing know-your-customer (KYC) process;
• Monitor and analyze customer data about projected financial data from the financial statements;
• Review the validity of the Bank Statement/Invoice Underlying;
• Co-work with Relationship Manager (RM) to identify the needs of customers, products, and financial services industries in-depth understanding of the industry and its customers in the framework of a given risk;
• Identify the risks and opportunities that may arise. The recommended approach to risk management;
• Understand the details of each industry you are responsible for. (e.g. trend, risk, market);
• Analysis and auditing of financial data and other information necessary and relevant for the analysis of customer risk;
• Prepare the financial projection of customers as reasonable assumptions;
• Analyze and make credit decisions based on Risk Acceptance Criteria (RAC) and the conditions applicable to loan approval;
• Conducting field visits (if needed).

Requirement:

• Bachelor’s degree in any major;
• 3-5 years of working experience in developing and delivering training program;
• Excellent analytical skills and creative problem solving;
• Computer literacy (MS Word, Excel, and PowerPoint);
• Proven skills in corporate credit analysis are essential;
• Well developed oral and written communication skills;
• Ability to collaborate with others to achieve great results and outcomes;
• Ability to work independently and as an effective team member;
• Ability to liaise effectively & professionally with external organization.