Credit Operation Associate

Company Description

About Grab and Our Workplace

Grab is Southeast Asia's leading superapp. From getting your favourite meals delivered to helping you manage your finances and getting around town hassle-free, we've got your back with everything. In Grab, purpose gives us joy and habits build excellence, while harnessing the power of Technology and AI to deliver the mission of driving Southeast Asia forward by economically empowering everyone, with heart, hunger, honour, and humility.

Job Description

Get to Know the Team

The Credit Ops team manages daily credit underwriting operations and safeguards underwriting SLAs across the country. The team works collaboratively and supports one another especially audit readiness. If you enjoy working in a team environment and are looking for a place to grow together, we invite you to join us.

Get to Know the Role

You will manage end-to-end credit underwriting for loans using external credit bureau data and supporting documents where required. You will help ensure underwriting SLA delivery to support sound decision-making and operational continuity. You will also deliver audit-ready regulatory-to-control mapping and maintain traceable evidence packages against agreed milestones. You will also implement existing credit SOP and policy requirements, implement updates linked to audit controls, and ensure clear ownership and risk mitigation. You will drive continuous improvement in key risk metrics and provides fact-based, data-driven reporting to senior and executive management. You will report to the Head, Credit Ops & Collection, working onsite at the Jakarta office.

The Critical Tasks You Will Perform

• Lead end-to-end underwriting operations and SLA management for loans in Indonesia.
• Design data and analysis approaches to solve business problems while maintaining an acceptable level of risk.
• Manage the lending portfolio, including recommending actions to address performance or risk issues.
• Collaborate with business, engineering, compliance, collections, legal, finance, and regional teams to support credit operations.

Qualifications

What Essential Skills You Will Need

• A recognized degree, in Business, Finance, Operations Management, Economics, Computer Science, or a related field.
• 3+ years of full-time experience supporting SME loans and broader consumer lending underwriting or credit operations.
• Experience reviewing and interpreting external credit bureau data and using supporting documentation to support loan decisions.
• Experience collaborating with cross-functional stakeholders and driving accountability for execution and approvals.
• Experience delivering tangible results across previous roles.
• Experience creating and updating SOPs and policies aligned with control requirements, such as audit or regulatory controls.
• The ability to make decisions or provide sound recommendations grounded in data and analytical thinking.
• The ability to influence and collaborate with senior stakeholders across functions, including business, engineering, compliance, collections, legal, finance, and regional teams.
• The ability to create effective PowerPoint presentations.
• A good command of written and spoken English.
• A solid understanding of the local financial regulatory environment, compliance requirements, and customer due diligence processes.
• Ability to work comfortably in variative and in a VUCA (Volatile, Uncertain, Complex, and Ambiguous) environment.
• We prefer prior experience in consulting, problem-solving, or strategy design.
• We prefer prior experience in a start-up and/or financial services environment.

Additional Information

Life at Grab

We care about your well-being at Grab, here are some of the global benefits we offer:

• We have your back with Term Life Insurance and comprehensive Medical Insurance.
• With GrabFlex, create a benefits package that suits your needs and aspirations.
• Celebrate moments that matter in life with loved ones through Parental and Birthday leave, and give back to your communities through Love-all-Serve-all (LASA) volunteering leave
• We have a confidential Grabber Assistance Programme to guide and uplift you and your loved ones through life's challenges.
• Balancing personal commitments and life's demands are made easier with our FlexWork arrangements such as differentiated hours

What We Stand For at Grab

We are committed to building an inclusive and equitable workplace that enables diverse Grabbers to grow and perform at their best. As an equal opportunity employer, we consider all candidates fairly and equally regardless of nationality, ethnicity, religion, age, gender identity, sexual orientation, family commitments, physical and mental impairments or disabilities, and other attributes that make them unique.