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 team
Amartha is actively expanding its digital risk management team as part of our strategic commitment to digital transformation in 2025. We aim to enhance our capabilities in managing digital lending risks to support the growth of our digital financial product portfolio. To that end, we are seeking a highly skilled Risk Analytics Senior Analyst to join our team. This role will be instrumental in supporting risk management strategies for our digital lending platforms by developing robust forecasting models. The ideal candidate will contribute to ensuring that we continue delivering secure, data-driven, and effective financial solutions to our customers.
Roles and Responsibilities
- Risk Modeling & Analysis – Develop, implement, and improve statistical and predictive models to assess credit risk, predict default probabilities, and measure portfolio risk.
- Data Analysis & Insights – Analyze large datasets to identify risk patterns, trends, and potential early warning indicators. Perform data extraction, transformation, and feature engineering to improve model accuracy.
- Portfolio Monitoring – Monitor lending portfolio performance, assess risk trends, and identify potential credit quality issues through data analysis and predictive insights.
- Model Validation & Scenario Analysis – Conduct model testing, back-testing, and performance evaluation. Perform scenario and sensitivity analysis to assess the impact of economic changes and portfolio factors on credit risk.
- Cross-functional Collaboration & Governance – Work closely with Risk Strategy, Product, Data, and Technology teams to translate analytical findings into actionable risk strategies. Ensure proper model documentation, governance, regulatory compliance, and reporting.
Requirements
- Minimum 7+ years of relevant experience in risk modeling, credit analytics, or a similar quantitative risk role.
- Bachelor’s or Master’s degree in Statistics, Mathematics, Data Science, Economics, Finance, or a related quantitative field.
- Strong proficiency in statistical modeling and machine learning techniques (e.g., logistic regression, random forest, etc.).
- Solid understanding of credit risk principles, including PD/LGD modeling (IFRS9, PSAK71), and portfolio risk management.
- Ability to design, validate, and optimize models based on business goals and risk appetite.
- Have analytical skills (moderate to advanced level using SQL) especially on forecast analysis, risk performance.
- Experience in digital lending, consumer finance, or fintech risk environments is highly desirable.
- SQL and Python skill is required.
- Fluent in both Bahasa Indonesia and English.
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.