Head of Credit Underwriting

Moladin Finance is expanding its Property-Backed Financing product line, serving SME and individual borrowers using real-estate collateral. We are seeking a highly experienced Head of Credit Underwriting to lead and scale the underwriting function, ensuring robust credit quality, regulatory compliance, and operational efficiency across origination, credit assessment, and approval workflows.
You will oversee a team of credit analysts and credit committee members, working closely with Risk, Appraisal, and Credit Operations to deliver high-quality, fast-turnaround decisions that balance growth and portfolio health.
Responsibilities    

• Lead end-to-end credit underwriting process for property-secured SME and individual loans.
• Ensure accurate borrower assessment (5Cs, DSR/DBR, LTV, income validation, collateral verification, legal checks).
• Review and approve high-value or complex transactions within delegated authority limits.
• Ensure all underwriting complies with OJK Rules and internal risk appetite.
• Collaborate with the Risk Team to refine product credit criteria, scoring models, and etc. 
• Lead, train, and develop a team of Credit Analysts and Underwriting Officers.
• Establish SLA-driven underwriting workflows with strong quality control and turnaround time (TAT) monitoring.
• Coordinate with Appraisal, Legal, Credit Operations, and Sales teams to ensure seamless handover and compliance.
• Act as a voting member in the Credit Committee for large or exceptional exposures.
• Review risk exceptions, mitigants, and escalation cases objectively and consistently.
• Maintain audit-ready documentation for all approved/rejected cases.
• Continuously improve underwriting standards and efficiency.
• Identify recurring portfolio risk patterns and propose structural or procedural mitigations.
• Work closely with Risk Policy, Portfolio, and BI teams to monitor early-warning signals (DPD, NPL, breach rate).

Requirements

• Minimum 8–10 years of experience in credit underwriting or risk management in multifinance, commercial/sme banking, or fintech.
• Strong understanding of property valuation, legal collateral documentation, and credit structuring.
• Deep knowledge of OJK multifinance regulations and risk governance principles.
• Proven leadership experience managing a credit team.
• Analytical thinker with attention to detail and the ability to balance growth with prudence.
• Excellent communication, negotiation, and stakeholder-management skill.