Business Analyst

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.

You can read more about here:

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.
  • 2-5 years’ experience in financial and credit 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.
  • Familiarity with basic formula and logic in Excel is required.
  • Familiarity with basic finance and accounting logic is required.
  • Working knowledge of financial statement, with an emphasis on cash flow, is required.
  • Ability to develop a working financial model in Excel.
  • 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.
  • Passion and ability in working in an international team.
  • 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 25% 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

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