Develop, maintain, and update Standard Operating Procedures and credit policies related to institutional risk and indirect lending.
Ensure the entire risk framework complies with internal guidelines and external regulatory requirements, particularly OJK regulations on channeling, joint financing, and corporate lending.
Build comprehensive risk dashboards and monthly portfolio reports for Senior Management and the Board of Directors, with focus on risk exposure, concentration, and portfolio health.
Conduct in-depth portfolio analysis (historical and projection) to assess the business and financial health of prospective Indirect Lending partners.
Evaluate business models, corporate governance, operational capabilities, and historical loan portfolio performance to determine counterparty risk levels.
Present partner risk assessments and credit memos to the Risk/Credit Committee for approval, including recommendations on...