📝 What You’ll Do

• Gold pricing & LTV setting: Define and maintain the LTV framework and interest rate structure for gold-backed loans, balancing risk appetite against commercial competitiveness.
• Daily gold price reference methodology: Design and maintain the methodology for setting our internal daily gold price reference level, benchmarked against market rates.
• Gold hedging / insurance strategy: Develop and execute a gold price risk management framework, including hedging instruments or insurance structures to protect against gold price volatility.
• Loan restructuring & settlement policies: Design policies and decision criteria governing loan restructuring, repayment extensions, and settlement scenarios for both gold and BPKB products.
• Branch-level insurance coverage: Determine and monitor appropriate insurance coverage per branch, calibrated to the asset value held at each location.
• BPKB portfolio monitoring: Maintain regular monitoring of the BPKB loan portfolio including loss rates, collection rates, vintage analysis, and early warning indicators.
• Borrower credit scoring: Maintain and iterate on credit scoring models for borrowers, incorporating repayment behaviour and portfolio data over time.
• Portfolio analytics & recommendations: Produce regular portfolio health reports and translate findings into concrete policy or operational recommendations for leadership.

✒️ You’re a Great Fit If You

• Minimum 4 years of experience in credit risk, ideally in a pawnshop (Pegadaian / gadai swasta) or multifinance environment.
• Hands-on experience with gold lending: LTV methodology, gold price dynamics, and gold collateral management
• Familiarity with vehicle-secured (BPKB) lending and associated portfolio risk metrics.
• Strong grasp of loan portfolio analytics: loss rates, collection rates, vintage curves, and roll-rate analysis.
• Comfort working in a lean, execution-oriented environment you will be expected to move from problem identification to policy draft quickly.