Head of Credit Underwriting

Moladin Finance is seeking a highly experienced Head of Credit Underwriting to lead and scale the underwriting function, ensuring robust credit quality, regulatory compliance, and operational efficiency across origination, credit assessment, and approval workflows.

Requirements

• Lead end-to-end credit underwriting process for property-secured SME and individual loans.
• Ensure accurate borrower assessment (5Cs, DSR/DBR, LTV, income validation, collateral verification, legal checks).
• Review and approve high-value or complex transactions within delegated authority limits.
• Ensure all underwriting complies with OJK Rules and internal risk appetite.
• Collaborate with the Risk Team to refine product credit criteria, scoring models, and etc.
• Lead, train, and develop a team of Credit Analysts and Underwriting Officers.
• Establish SLA-driven underwriting workflows with strong quality control and turnaround time (TAT) monitoring.
• Coordinate with Appraisal, Legal, Credit Operations, and Sales teams to ensure seamless handover and compliance.
• Act as a voting member in the Credit Committee for large or exceptional exposures.
• Review risk exceptions, mitigants, and escalation cases objectively and consistently.
• Maintain audit-ready documentation for all approved/rejected cases.
• Continuously improve underwriting standards and efficiency.
• Identify recurring portfolio risk patterns and propose structural or procedural mitigations.
• Work closely with Risk Policy, Portfolio, and BI teams to monitor early-warning signals (DPD, NPL, breach rate).

Benefits

• Competitive salary
• Bonus structure
• Stock options
• Health insurance
• Retirement plan
• Generous parental leave