{"id":4163096,"url":"https://alion.io/job/amartha-risk-analytics-sr-analyst","title":"Risk Analytics Sr Analyst","company":{"id":49953,"name":"Amartha","domain":"amartha.com","url":"https://alion.io/company/amartha","size_band":"1001-5000","is_staffing_agency":false,"employer_type":"direct","is_intermediary":false,"listed_via":null,"ats_vendor":"Workable","truth_index":{"grade":"C","score":60,"open_postings":394,"ghost_share":0.591,"stale_share":0,"repost_share":0,"time_to_fill_p50_days":78,"computed_at":"2026-11-12T10:38:37Z"}},"role":"Analytics","role_family":"Analytics","seniority":"senior","employment_type":"full_time","work_mode":"on_site","remote_scope":null,"remote_scope_basis":null,"remote_working_hours":null,"hiring_geo_confidence":"structured","locations":["Jakarta, Indonesia"],"countries":["ID"],"hiring_countries":[],"hiring_countries_total":0,"salary":null,"salary_estimate":null,"experience_years_min":null,"visa_sponsorship":false,"relocation_package":false,"has_equity":false,"technologies":[{"name":"Machine Learning","optional":false},{"name":"SQL","optional":false},{"name":"Python","optional":true}],"status":"live","first_seen_at":"2026-11-12T12:50:52Z","employer_posted_date":"2026-11-12","last_verified_at":"2026-11-12T12:50:52Z","board_verified":true,"closed_at":null,"days_open":0,"trust":{"level":"ok","repost_count":null,"flags":[],"days_open":0},"description":"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.\nAbout the team\nAmartha 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.\nRoles and Responsibilities\nRisk Modeling & Analysis - Develop, implement, and improve statistical and predictive models to assess credit risk, predict default probabilities, and measure portfolio risk.\nData 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.\nPortfolio Monitoring - Monitor lending portfolio performance, assess risk trends, and identify potential credit quality issues through data analysis and predictive insights.\nModel 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.\nCross-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.\nRequirements\nMinimum 7+ years of relevant experience in risk modeling, credit analytics, or a similar quantitative risk role.\nBachelor’s or Master’s degree in Statistics, Mathematics, Data Science, Economics, Finance, or a related quantitative field.\nStrong proficiency in statistical modeling and machine learning techniques (e.g., logistic regression, random forest, etc.).\nSolid understanding of credit risk principles, including PD/LGD modeling (IFRS9, PSAK71), and portfolio risk management.\nAbility to design, validate, and optimize models based on business goals and risk appetite.\nHave analytical skills (moderate to advanced level using SQL) especially on forecast analysis, risk performance.\nExperience in digital lending, consumer finance, or fintech risk environments is highly desirable.\nSQL and Python skill is required.\nFluent in both Bahasa Indonesia and English.\nAt 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.\nWe 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.","description_format":"text","description_chars":3804,"description_truncated":false,"requirements":{"experience_years_min":null,"management_years_min":null,"team_size_min":null,"manages_managers":false,"education":{"level":"bachelor","optional":false},"security_clearance":false,"languages":[{"language":"Indonesian","level":"All levels","optional":false}]},"benefits":["Equity"],"hiring_locations":[],"hiring_excludes":[],"relocation_offered":false,"industries":["Crowdfunding & P2P Lending","Microfinance"],"lifecycle":[{"event":"open","at":"2026-11-12T12:50:52Z"}],"visa":[],"liveness":{"score":86,"band":"hot","label":"Hiring now","p_open":1,"p_active":0.86,"p_room":1,"age_days":0,"expected_fill_days":78,"reasons":["conf:1","win:early","comp:brand"],"computed_at":"2026-11-12T14:25:32Z"},"pay":null,"html_url":"https://alion.io/job/amartha-risk-analytics-sr-analyst","json_url":"https://alion.io/job/amartha-risk-analytics-sr-analyst.json","meta":{"generated_at":"2026-11-12T14:25:32Z","cache_seconds":300,"methodology":"https://alion.io/methodology","terms":"https://alion.io/terms","contact":"https://alion.io/contact","api":"https://alion.io/developers","about":"Alion is a live layer of people, companies and AI agents: who they are, whether they are real and active right now, what they do and how to work with them, readable by people and by agents and paid per call.","catalog":"https://alion.io/catalog.json","usage":{"tier":"crawler_verified","counted_by":"address","units_charged":1,"used_today":29967,"day_limit":null,"remaining_today":null,"minute_limit":300,"resets_at":"2026-11-13T00:00:00Z"}},"offers":[{"id":"company.slices","title":"One company in depth, by slice","status":"live","price":{"credits":0.1,"usd":0.01,"plus_per_slice":{"credits":0.05,"usd":0.005}},"unit":"per company, plus each slice with data","note":"the employer in depth","call":{"mcp_tool":"get_company","arguments":{"id":49953},"rest":"https://alion.io/mcp/rest/get_company?id=49953"},"human":"https://alion.io/catalog?offer=company.slices&for=job%2Famartha-risk-analytics-sr-analyst"},{"id":"market.stats","title":"A market slice: pay, demand and time to fill","status":"live","price":{"credits":2,"usd":0.2},"unit":"per slice","note":"pay, demand and time to fill for this role and place","call":{"mcp_tool":"market_stats"},"human":"https://alion.io/catalog?offer=market.stats&for=job%2Famartha-risk-analytics-sr-analyst"},{"id":"job.search","title":"Open jobs by role, technology, place, pay and visa","status":"live","price":{"credits":0.1,"usd":0.01},"unit":"per posting in a list","note":"similar open postings","call":{"mcp_tool":"search_jobs"},"human":"https://alion.io/catalog?offer=job.search&for=job%2Famartha-risk-analytics-sr-analyst"},{"id":"company.verify","title":"Is this company real and active right now","status":"pilot","price":null,"unit":"per company","request":{"url":"https://alion.io/catalog/request","method":"POST","body":"{\"offer\": \"company.verify\", \"for\": \"job/amartha-risk-analytics-sr-analyst\", \"note\": \"what you need it for\"}"},"human":"https://alion.io/catalog?offer=company.verify&for=job%2Famartha-risk-analytics-sr-analyst"}],"agent":{"mcp":"https://alion.io/mcp/jobs","mcp_open":"https://alion.io/mcp/open","next":[{"tool":"get_job","arguments":{"id":4163096}},{"tool":"search_jobs","arguments":{"company":"amartha.com","detail":"compact"}},{"tool":"match_people","arguments":{"job_id":4163096},"note":"people open to offers who fit this vacancy"}],"note":"The same data through MCP tools: https://alion.io/mcp/open needs no sign-in (compact searches, postings, people); https://alion.io/mcp with an Alion account has everything. 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