Risk Management Expert

MSC seeks a highly experienced Risk Management Expert with over 15 years of experience in MSME (Micro, Small, and Medium Enterprises) lending. The ideal candidate will have a robust background in traditional banking and fintech environments, with a strong track record in designing and implementing risk management frameworks. The expert will play a key role in managing risks in lending across MSME value chains. A deep understanding of the specific challenges and opportunities within the Indonesian MSME sector, particularly in regions outside Java, is essential. This role is critical in providing strategic risk management expertise to help shape our MSME lending operations across diverse regions in Indonesia.

Employment Type:
This position can be full-time or part-time, with flexibility for a consulting arrangement depending on the candidate’s availability.

1. Risk Strategy Development
Lead the design and implementation of tailored risk management strategies specific to MSME lending, focusing on credit, operational, market, and regulatory risks.
2. Advisory Services
Provide expert risk management advisory and consulting services to banks and fintech institutions, leveraging extensive industry knowledge and practical experience.
3. Value Chain Risk Management
Evaluate and manage risks involved in value chain lending within MSMEs, ensuring robust frameworks are in place to mitigate risks across suppliers, distributors, and buyers.
4. Local Market Insights
Develop deep insights into the MSME sector, particularly outside Java, and tailor risk management practices to local conditions, based on a sound understanding of regional economic, legal, and regulatory environments.
5. Regulatory Compliance
Guide and advise on ensuring compliance to local and national regulations, including the mandates of Bank Indonesia (BI), the Financial Services Authority (OJK), and other regulatory bodies, integrating regulatory requirements into risk management practices.
6. Cross-functional Collaboration
Collaborate with cross-functional teams, such as credit, compliance, product development, and technology, to ensure that risk management initiatives are well-integrated across all program workstreams and activities.
7. Data-Driven Risk Monitoring
Leverage data analytics and risk assessment tools to monitor the risk profile of MSME borrowers and develop early warning indicators to mitigate potential defaults.
8. Training & Capacity Building
Conduct risk management trainings for internal teams and stakeholders to strengthen risk management capabilities within the organization.

- Strong project management and organizational skills, with a track record of managing multi-stakeholder projects.
- Deep understanding of the MSME sector in South Sumatra, including challenges and opportunities related to access to finance.
- Proven ability to engage with financial institutions and government bodies to advocate for MSME-friendly policies and financial products.
- Excellent communication, negotiation, and networking skills.
- Ability to work independently and lead regional teams.

Education:
A Bachelor’s degree in finance, business administration, or a related field. A master’s degree or professional certifications in risk management (e.g., FRM, PRM) will be advantageous.

Experience:
- Risk Management: At least 15 years of hands-on experience in comprehensive risk management, with a strong focus on MSME lending. The ideal candidate will have a proven ability to design and execute risk mitigation strategies that address credit, operational, market, and compliance risks. Experience working across traditional banks and fintech institutions is highly preferred, showcasing adaptability to diverse financial environments and lending models.
- Advisory and Consulting Services: Demonstrated experience in providing strategic risk management advisory or consulting services to leading banks, fintech companies, or other financial institutions. The candidate should have a robust portfolio of advising clients on developing and enhancing risk frameworks, leveraging data analytics, and implementing best practices in MSME lending.
- MSME Sector: A deep, practical understanding of the Indonesian MSME ecosystem, particularly in underserved regions outside Java. The candidate should have a sound knowledge of the local economic landscape, prevalent business challenges, regulatory requirements, and tailored risk management strategies that align with regional market conditions.
- Value Chain Lending: Extensive experience in identifying, evaluating, and managing risks across the MSME value chains, including production, supply, and distribution stages. The candidate should be able to implement risk mitigation across value chains.

Jam 9 s/d 18, Senin - Jumat