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,...