Operational Risk

Framework Setup & Risk Control Assessment (RCSA)

• Build and implement the Risk Control Self-Assessment (RCSA) framework across all business units from the ground up.
• Map end-to-end operational workflows (from origination, credit approval, and disbursement to collections) to identify control gaps and process vulnerabilities.
• Establish, review, and standardize internal control policies and Standard Operating Procedures (SOPs) to ensure operational readiness.

KRI Setup, Loss Database & Root-Cause Analysis

• Design, track, and monitor core Key Risk Indicators (KRIs) to establish early-warning indicators for operational failures.
• Build and maintain the company’s centralized Operational Loss Event Database, tracking operational incidents, near-misses, and actual financial losses.
• Perform root-cause analysis (RCA) on operational disruptions, process breakdowns, or system glitches to design and implement corrective action plans.

Risk Analytics, Governance & Product Review

• Analyze operational and financial data to track overall risk exposure, control effectiveness, and operational efficiency.
• Design and present periodic Operational Risk Dashboards and reports for Management and Risk Committees.
• Evaluate proposed business changes, system enhancements, and new product launches to assess and mitigate potential operational risks prior to rollout.

Cross-Departmental Execution & Audit Readiness

• Partner directly with Operations, IT, Finance, Credit, Collections, and Legal to embed risk control standards into daily workflows.
• Ensure overall compliance with regulatory requirements (OJK) and prepare the organization for internal and external audit readiness.
• Foster a risk-aware culture and train cross-functional teams on operational risk management best practices.

Education

• Bachelor’s degree in Finance, Economics, Business, Risk Management, or a related field.

Experience

• Minimum 2 years of experience in operational risk management, internal control, compliance, or related risk functions within a financing or financial services environment.

Knowledge

• Functional understanding of financing company business processes and core operational workflows.
• Hands-on skills in risk assessment, monitoring, and interpreting both financial and operational risk data.
• Strong problem-solving capabilities to identify operational gaps and trends.
• Clear written/verbal communication skills with proven ability to lead cross-departmental coordination.

Will be discussed further in the offering process.