• Conduct comprehensive analysis of corporate clients' financial health, including reviewing financial statements, cash flows, payment history, business structure, and group affiliations.
• Propose and recommend appropriate credit limits based on quantitative and qualitative credit evaluations.
• Structure credit terms that are both secure and commercially viable, including payment terms, guarantees, or credit insurance when necessary.
• Monitor accounts receivable aging and payment performance; proactively identify and report potential late payments or defaults.
• Prepare and deliver credit assessment reports to internal stakeholders and collaborate with sales, finance, and regional offices when needed.
• Actively participate in risk mitigation actions for high-risk accounts, including renegotiating payment terms or adjusting credit limits.
• Support the development and refinement of internal SOPs related to credit evaluation and approval processes.
• Liaise with external institutions (banks, financial services providers, or credit insurers) when necessary to enhance credit safety and due diligence.

Qualifications:

• Bachelor's degree in Finance, Economics, Accounting, Business, or a related discipline.
• Professional certifications such as CMA, CFA, FRM, or similar are advantageous.
• Minimum 10 years of experience in banking or financial services, especially in credit risk assessment or as a corporate credit analyst.
• Proven experience evaluating creditworthiness of corporate or enterprise clients (not retail or consumer).
• Familiar with large-scale credit exposures, including transactions valued in the tens to hundreds of billions of Rupiah.
• Strong knowledge of accounting standards, financial ratios, and risk management principles.
• Strong financial analysis skills and ability to interpret financial statements.
• High analytical thinking and sound judgment in data-driven decision-making.
• Strong integrity and understanding of risk governance principles.
• Ability to work cross-functionally and communicate effectively with non-finance divisions such as sales and operations.
• Experience in trading, manufacturing, or logistics companies is a plus.