• Bachelor Degree from reputable University in Economics, Business, Finance, Statistics or related fields.
• Experience as Credit Analyst, Credit reviewer in leasing/banking company. 
• Minimum 2 years experiences in Retail. 
• Having Financial analysis skills. 
• Familiar and able to read financial statement  

Kind and Length of Experience:

• Proven work experience as a credit analyst.
• Proficiency in statistical tools and financial software.
• Up to date with legal issues, compliance, and market risk.
• Strong ability to analyze cash flow, leverage, guarantees, and customer strength.
• Strong attention to detail and ability to notice discrepancies data.

• Conduct analysis for prospective client including client basic information financial condition and financial statement trends on a case by case basis.
• Checking the validity, accuracy of customer data, as presented by Sales Department. 
• Provide recommended terms and conditions based on credit analysis procedure. 
• Asses credit worthiness of existing or prospective customer.  
• Determine in depth the level of risk involved. 
• Analyze data carefully and produce clear and objective reports. 
• Identifying and reporting potential risks related to credit applications quickly and accurately. 
• Providing recommendations related to credit risk analysis and assessment. 
• Present the analysis, findings, and recommendations to management , routinely monitor credit payment related to compliance with credit policies and guidelines 
• Adhere to credit guide lines & policy (OJK Regulation and BI Regulation)