Total 5 job vacancies by Moladin

PT Moladin Finance Indonesia (formerly PT Pro Car International Finance) is part of the Moladin Group. MOFI is a finance company that provides financial services to anyone, anywhere, and anytime. MOFI products are fully digital with innovative, flexible and effective processes. Since changing to Moladin Finance Indonesia in April 2023, MOFI has focused on meeting consumer needs, both productive needs through investment and working capital financing facilities, as well as other needs through multipurpose financing facilities. MOFI is licensed and supervised by OJK.

Moladin is searching for a Legal Credit Senior Counsel! You will be responsible for ensuring that Moladin's operations and transactions are in compliance with all relevant regulations and legislation. You will play a critical role in ensuring the company is operating within the legal framework while maintaining the highest standards of ethics.

• Develop, maintain, and implement legal credit operational programs, including policies and guidelines, documentation, training logs, and related policies/procedures.
• Prepare legal opinion and assistance on financing contracts based on the applicable law and regulations, including drafting, reviewing, advising and obtaining the perfection of the financing and security legal documentations.
• Manage, monitor and administer the public notary to ensure the effective and efficient processing of the financing contracts, collateral checking and pledging documentations including to ensure “zero mistakes documentation” to secure the interest of the creditor when exercising its rights to a Non Performing Financing debtor. 
• Managing internal operations process with credit analyst, appraisal and custodian team to ensure an effective service level agreement based on the company standard operating procedures.
• Provide regular reporting to the management and submit accurate and timely reports to regulators (as applied) to ensure the avoidance of sanctions/fines from regulators.
• Monitor changes in laws, regulations, and industry best practices to ensure the company remains up-to-date and compliant.
• Liaise with external regulators such as the Land National Office, Ministry of Law and Humans Rights, Courts, and other related government agencies.

• Bachelor’s Degree/University degree or equivalent experience.
• Minimum of 5-10 years of relevant experience in the Legal Credit and/or Operation function of financial institutions, preferably Multifinance Company and/or Banks.
• Solid understanding of applicable laws, regulations, and industry standards, with a focus on legal credit, compliance, and corporate governance.
• Exceptional attention to detail, highly responsible, with strong integrity, commitment and discipline.
• Passionate about delivering high-quality work and exceeding expectations in a fast-paced environment.
• Strong communication skills, both oral and written, with the ability to effectively communicate advice backed up by sound judgment.

PT Moladin Finance Indonesia (formerly PT Pro Car International Finance) is part of the Moladin Group. MOFI is a finance company that provides financial services to anyone, anywhere, and anytime. MOFI products are fully digital with innovative, flexible and effective processes. Since changing to Moladin Finance Indonesia in April 2023, MOFI has focused on meeting consumer needs, both productive needs through investment and working capital financing facilities, as well as other needs through multipurpose financing facilities. MOFI is licensed and supervised by OJK.

Moladin is searching for a Legal Credit Senior Counsel! You will be responsible for ensuring that Moladin's operations and transactions are in compliance with all relevant regulations and legislation. You will play a critical role in ensuring the company is operating within the legal framework while maintaining the highest standards of ethics.

• Develop, maintain, and implement legal credit operational programs, including policies and guidelines, documentation, training logs, and related policies/procedures.
• Prepare legal opinion and assistance on financing contracts based on the applicable law and regulations, including drafting, reviewing, advising and obtaining the perfection of the financing and security legal documentations.
• Manage, monitor and administer the public notary to ensure the effective and efficient processing of the financing contracts, collateral checking and pledging documentations including to ensure “zero mistakes documentation” to secure the interest of the creditor when exercising its rights to a Non Performing Financing debtor. 
• Managing internal operations process with credit analyst, appraisal and custodian team to ensure an effective service level agreement based on the company standard operating procedures.
• Provide regular reporting to the management and submit accurate and timely reports to regulators (as applied) to ensure the avoidance of sanctions/fines from regulators.
• Monitor changes in laws, regulations, and industry best practices to ensure the company remains up-to-date and compliant.
• Liaise with external regulators such as the Land National Office, Ministry of Law and Humans Rights, Courts, and other related government agencies.

• Bachelor’s Degree/University degree or equivalent experience.
• Minimum of 5-10 years of relevant experience in the Legal Credit and/or Operation function of financial institutions, preferably Multifinance Company and/or Banks.
• Solid understanding of applicable laws, regulations, and industry standards, with a focus on legal credit, compliance, and corporate governance.
• Exceptional attention to detail, highly responsible, with strong integrity, commitment and discipline.
• Passionate about delivering high-quality work and exceeding expectations in a fast-paced environment.
• Strong communication skills, both oral and written, with the ability to effectively communicate advice backed up by sound judgment.

Responsibilities :

• Develop key monitoring metrics which can serve as useful performance and risks indicators
• Create clear and clean data dashboards for management reporting
• Analyze data critically, form logical conclusions and work on various strategies for process improvement and optimization
• Participate and support ad-hoc onboard projects requiring extensive quantitative data analysis and data-heavy reporting
• Ensure proper execution and oversight of selected onboard initiatives
• Collaborate with other departments and develop clear operational
• Understanding of various activities and institute realistic and practical onboard controls

• Minimum 5 years experience in onboarding/ credit underwriting; with a focus on data analysis and dashboard creation, especially in financing industry.
• Prior experience with CRM platforms and Google Workspace.
• Able to work independently in a fast-paced and data-heavy environment.
• Good communicator, team player and able to work well in a cross-cultural team.
• Task-oriented with strong prioritization skills.
• Strong proficiency in English.
• Strong critical and logical thinking.

• Manage the day-to-day finance operations.
• Conduct daily reconciliation of incoming and outgoing payments for Used Car Financing and Dana Tunai.
• Promptly and proactively inform the relevant team of any findings.
• Create reconciliation templates customized to suit the needs of the Accounting team.
• Ensure the financial records are accurate and complete.
• Collaborate with internal teams to resolve any financial issues.
• Provide comprehensive support for the closing process and handle any ad hoc requests.

• Bachelor's degree in Economics or Accounting.
• At least 1 year of experience in a Finance Operation or Reconciliation role.
• Proficiency in Microsoft Excel and Google Spreadsheet formulas, such as VLOOKUP, Pivot, and SUMIF.
• Meticulous attention to detail.
• Strong analytical and problem-solving abilities.
• Excellent organizational and time management skills.
• Effective communication and interpersonal skills.

• Responsible for approving all SME loan applications, demonstrating sound credit and business judgment, and adept at identifying high-risk, early warning signs, and potential fraud conditions in customer profiles.

• Experienced in handling SME loans secured with property collateral, ensuring compliance with established policies and standard operating procedures (SOP).
• Achieve daily targets for reviewing incoming loan applications and adhere to committed Service Level Agreements (SLA).
• Possess knowledge of industry practices, financial statement analysis, and a fundamental understanding of legal aspects related to collateral security and company documentation.
• Able to read and understand customer payment or Non-Performing Loan (NPL) performance for learning of future approval.
• Develop and propose mitigation strategies for financing customers to minimize lending risks, and effectively communicate solutions to sales, marketing, and business teams.

• Minimum Bachelor's or Master's degree from a reputable university.

• Having a minimum of 3 years of experience as a Credit Analyst in SME/Micro SME/Commercial Loans.
• Having authority limit approval with a minimum of 500 million and the ability to assess the creditworthiness of both individuals and companies.
• Proficient in comprehending the entire credit process and underwriting, including but not limited to loan submission, documentation, policy adherence, approval analysis, and collateral security evaluation.
• Demonstrate keen attention to detail and a strong interest in analyzing customer data. Exhibit qualities of high responsibility, integrity, commitment, and discipline.