Fanji Firdaus
Credit Specialist | Risk | Underwriting
Jakarta
Summary
Experienced in credit risk analysis end to end process (loan origination system) related to building credit scoring model, assessment flow process end up with committee approval discussion for both Traditional (Small Medium Enterprise until Corporate segments) and Start-up business model. Proven experience in assessment of creditworthiness of B2B clients for (e.g.,Working Capital, Purchase Order, Invoice Financing, etc) and consumer loan type. Wide background in financial information analysis, including cash flow records, bank statement analysis, account management, and portfolio management. Strong current knowledge of regulatory compliance and legal issues involved in credit approval mechanism followed by fraud mitigation system.
Overview
9
9
years of professional experience
4
4
years of post-secondary education
2
2
Languages
Work History
Head of Credit Risk
Mekari
07.2023 - Current
- Build Standard Operating Procedure for Mekari ecosystem financing
- Design Credit Scoring and Modeling for various lending products
- Implement regulatory compliance and fraud mitigation embedded to particular produts
- Conduct regular portfolio monitoring for Financial Services products
- Managing collection effort for Financial Services products
Senior Credit Risk Analyst
Aspire
05.2021 - 07.2023
- Verify legal docs and company business model
- Run financial assessment process related to financial statement, cashflow, account management, and bank statement analysis
- Conduct interview session with client to align the offered products e.g., Invoice Financing, Purchase Order Financing, Working Capital
- Create and present credit memo to our committee (SG based) for approval phase
- Assess various business model varied from traditional segment until start-up which has loss making profit in Indonesia, Singapore and Vietnam market
Senior Credit Risk Analyst
OK!P2P (OK Bank GROUP)
11.2019 - 04.2021
- Manage daily operation of 10 credit analysts to meet management objectives
- Arrange site visit for validity check
- Conduct decision process according to assessment result
- Maintain customer performance after disbursement phase
Credit Risk Analyst Team Leader
Atome
12.2017 - 10.2019
- Manage daily operation of 13 credit analysts including phone verification team to achieve the defined target (approximately 1000 application per day)
- Create credit operation daily report to direct credit manager
- Conduct quality control for credit assessment results according to updated Standard Operating Procedure
- Perform weekly report based on audit results and related issues to credit manager
- Arrange team shifting schedule to handling incoming applications
- Implement monthly performance report to evaluate credit assessment process
Commercial Credit Analyst
PT Bank Central Asia Tbk
09.2016 - 11.2017
- Perform legality and SLIK check for company and related shareholders
- Assess financial condition of company related to financial statements, cashflow, account management, and bank statements analysis
- Conduct site visit with assigned Relationship Manager
- Create credit memo according to data provided for approval phase
Education
Bachelor's degree - Petroleum Engineering
Institut Teknologi Bandung (ITB)
01.2012 - 01.2016
Skills
- Regulatory Compliance
- Strategic Thinking
- Portfolio management
- Credit analysis
- Credit scoring
- Operational risk management
- Economic forecasting
- Compliance assessments
- Financial statement review
- Credit validations
- Credit policy development
- Cash flow analysis
- Relationship management
- Loan underwriting
Timeline
Head of Credit Risk
Mekari
07.2023 - Current
Senior Credit Risk Analyst
Aspire
05.2021 - 07.2023
Senior Credit Risk Analyst
OK!P2P (OK Bank GROUP)
11.2019 - 04.2021
Credit Risk Analyst Team Leader
Atome
12.2017 - 10.2019
Commercial Credit Analyst
PT Bank Central Asia Tbk
09.2016 - 11.2017
Bachelor's degree - Petroleum Engineering
Institut Teknologi Bandung (ITB)
01.2012 - 01.2016
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