# Underwriting Senior Lead

**Company:** [Amartha](http://jobs.workable.com/companies/mWmGxgPks2XJybYCh8mEJG.md)
**Location:** South Jakarta, Indonesia
**Workplace:** on site
**Employment type:** Full-time
**Department:** Non Tech

[Apply for this job](http://jobs.workable.com/view/2a1c029f-8626-433b-ba8e-f0ef34576eef)

## Description

Amartha is a technology company focused on creating shared prosperity by developing digital financial solutions for the grassroots economy. Founded in 2010 as a microfinance institution, Amartha connects rural, women-led micro-enterprises with affordable capital. Amartha is expanding as a tech company, building a microfinance ecosystem that connects to the growing digital economy through capital, investment, and payment services. By boosting the competitiveness of micro and small entrepreneurs, Amartha empowers women-led MSMEs, creates jobs, and fosters inclusive economic growth.

_**About The Team:**_

The Underwriting Senior Lead is responsible for shaping and executing credit underwriting strategy to ensure balanced portfolio growth, risk control, and sustainable business performance. This role oversees underwriting standards, analytics-driven decision frameworks, and portfolio monitoring while collaborating closely with risk, product, and business teams to continuously improve credit quality and customer acquisition outcomes.  

_**Responsibilities:**_

-   **Establish underwriting standards, decision frameworks, and exception governance** to ensure consistent, compliant, and risk-aligned credit decision processes.
-   **Lead analytics and decision-making related to credit underwriting** for both new and existing customers, using data insights to optimize approval quality and portfolio health.
-   **Monitor acquisition portfolio performance** (e.g., approval rates, early delinquency trends) and continuously refine underwriting criteria to improve risk-return balance.
-   Develop and maintain underwriting policies, scorecards, and risk models aligned with business growth targets and regulatory expectations.
-   Collaborate with cross-functional teams (risk, product, data, and operations) to enhance underwriting tools, automation, and customer experience.
-   Provide strategic insights and reporting to senior management on credit performance, emerging risks, and underwriting effectiveness.
-   Mentor and lead the underwriting team to strengthen analytical capability, decision consistency, and governance discipline.

## Requirements

-   Bachelor’s degree in Finance, Economics, Statistics, Mathematics, Business, or a related field (Master’s degree is a plus).
-   10+ years of experience in credit underwriting, risk analytics, or credit policy roles, with leadership exposure preferred.
-   Proven experience in the **financial services industry (banking, fintech, lending, or financial institutions)** is strongly preferred.
-   Strong analytical skills with the ability to interpret credit data, portfolio performance metrics, and risk trends to support decision-making.
-   Experience developing underwriting frameworks, credit policies, scorecards, or decision strategies.
-   Solid understanding of credit risk management, portfolio monitoring, and regulatory compliance practices.
-   Strong stakeholder management, communication, and leadership skills with the ability to collaborate cross-functionally.

_At Amartha, we are dedicated to creating a workplace that celebrates diversity, ensures equity, and fosters inclusion. We believe that diverse perspectives—shaped by factors such as gender, age, race, ethnicity, education, culture, and life experiences—drive innovation and growth._

_We actively welcome individuals from all backgrounds to join us in building an environment where everyone feels respected, valued, and empowered. Our commitment is to provide equal opportunities and foster a sense of belonging that enables our employees to thrive and make meaningful contributions._