Business Analyst, Lending

Business Analyst, Lending 

We’re a start-up, grant funded program building a platform to make debt investments in small and growing businesses in Jakarta, with a focus on women-owned/women-led businesses. The position is expected to collaboratively support a small, but growing team (international and Jakarta) to develop a strong and positive professional image among institutional donors, development finance institutions and clients. The business model is expected to evolve into a for-profit lending platform. 

We’re looking for a resilient, self-starter, who can evolve with the role, as the organization grows, to support the business and lending analysis in Jakarta. The ideal candidate will have a blend of experience with international donors/DFI, as well as private sector experience with MFIs, retail banking or consumer finance and with uncollateralized lending models. 

We are looking for a professional, who can lead, with hands on and sleeves rolled up, for this full-time (ideal) or part-time position. 

Ultimately, the roles and responsibilities, title and remuneration will depend on the experiences and expertise of the chosen candidate. 

Main Responsibilities 
Credit Analysis 
• Collect, verify and analyze information directly from potential clients to be used in loan decision making 
• Develop and refine working financial model and ratio analysis for loan decision making • Prepare credit proposals/memos for consideration and approvals 
• Collaborate with other team members to structure and negotiate legal debt investment agreements. Support the closing process of each approved credit. 
• Review and revise key operational indicators for lending portfolio, as needed. 
• Review periodic management, financial and environmental reports delivered by the clients, and include updated projections in the evaluation of client’s credits. 
• Travel to meet existing and potential clients as necessary before, during and after credit approval. 
• Support the execution of “underwriting” of businesses in every stage of the loan’s application, to ensure well-informed decision making and qualification of the risk involved which includes: 
Creation of pro forma financial statements based on client inputs 
Critical sensitivity analysis of the financial statements, including financial, commercial, environmental and social criteria 
Recommendations for monitoring the repayment of the loans disbursed. 

Investment Monitoring 
• In collaboration with the team, review and update the qualification of risk during the analysis of the credit proposal pre- and post-disbursement. 
• Maintain relations with the client, as necessary, including continuous monitoring of the activities for the approved credits, according to the procedures established. 
• Aggregate and prepare credit risk reports monthly, or more frequently as needed, including PAR. 
• Deliver other reports, as deemed necessary, on operations, portfolio or client information, as required. 
• Create periodic monitoring reports from clients to analyze and share with team. 
• Complete periodic risk monitoring and management report for review 
• Ensure client covenant compliance in line with loan agreement/approved terms and conditions. 
• Perform other duties as may be required from time to time. Business Development 
• Attend conferences and trade shows, representing BIDUK with potential clients, donors, and investors 

Required Skills and Experience 
• Bachelor’s degree in Accounting, Finance, Banking, Business Administration or related field. 
• 5-7 years’ experience in financial and c
redit analysis in Indonesia preferably in microfinance, with a rural bank or in consumer finance 
• Experience with growing small and medium enterprise (SME) in a variety of industries • Minimum 2 years’ experience in SME financial and credit analysis 
• Ability to understand and learn the organization’s credit policies and credit analysis requirement. 
• Good written and verbal communication skills in English required; excellent verbal communication skills in Bahasa Indonesian required 
• Strong experience with Microsoft Word and Excel is necessary. Additional knowledge of financial software is a plus. 
• Ability to develop a working financial model. 
• Understanding of the nature of business of SMEs is a plus. 
• Ability to handle confidential information about the transactions and business activities. • Strong interest in the field of social impact investing, SME empowerment and/or investing in women entrepreneurs. 
• Excellent interpersonal skills and ability to work with a variety of stakeholders across multiple geographies. 
• Excellent attention to detail. 
• Proactive, service-oriented attitude. 
• Strong attitude toward compliance 
• Authorized to work in Indonesia 

Work Environment 
• Domestic travel up to 50% of the time within greater Jakarta area; no overnight stays required 
• Travel via ojek and/or public transportation 
• Essential functions are typically performed in an office setting with a low level of noise • Remote work, as needed or preferred 
• Jakarta-based position 

Salary: Competitive, based on candidate experience and documented salary history 

All applications will be treated in confidence. Only short-listed candidates will be notified and invited for interviews. 
Please submit your letter of application and detailed curriculum vitae in English by email not later than June 15, 2020 to 

• Early application is encouraged as we will review applications throughout the advertising period and reserve the right to close the advert early. 
• A range of pre-employment checks will be undertaken, including background check, in compliance with BIDUK and donor policies 
• Equity, diversity and inclusion is fundamental to the BIDUK culture. We strive to create a workplace environment that ensures inclusivity, respect, opportunity and collaboration. • We will provide equality of opportunity and will not tolerate discrimination on any grounds. We foster an organizational culture that embraces and exemplifies our commitment to gender equality, girls’ rights and inclusion while supporting staff to adopt good practice, positive attitudes and principles of gender equality and inclusion  

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