Job Description Summary: 1. Bertanggung jawab untuk mengelola dan mengawasi fungsi manajemen risiko kredit pelanggan guna memastikan kualitas portofolio piutang perusahaan tetap sehat serta mendukung pertumbuhan bisnis yang berkelanjutan. 2. Bertanggung jawab dalam proses evaluasi kelayakan kredit, penetapan dan peninjauan limit kredit, pemantauan eksposur risiko, serta implementasi kebijakan dan prosedur kredit sesuai dengan kebijakan perusahaan. 3. Berkolaborasi dengan tim Sales, Finance, Collection, Legal, dan manajemen untuk menyeimbangkan kebutuhan ekspansi penjualan dengan pengelolaan risiko kredit yang baik. 4. Bertanggung jawab dalam memberikan analisis dan rekomendasi strategis kepada manajemen berdasarkan tren risiko, kualitas piutang, dan kondisi keuangan pelanggan. Job Description: 1. Memimpin proses analisis dan evaluasi kelayakan kredit pelanggan baru maupun pelanggan yang sudah berjalan. 2. Meninjau dan menyetujui rekomendasi limit kredit, syarat pembayaran (payment terms), serta perubahan limit sesuai dengan kewenangan yang ditetapkan. 3. Memantau kualitas portofolio piutang, aging receivable, overdue accounts, dan risiko pelanggan untuk mengidentifikasi potensi risiko sejak dini. 4. Melakukan review berkala terhadap profil risiko pelanggan berdasarkan laporan keuangan, histori pembayaran, kondisi industri, dan perkembangan bisnis. 5. Mengembangkan, mengimplementasikan, dan memastikan kepatuhan terhadap kebijakan, prosedur, dan kontrol internal terkait manajemen risiko kredit. 6. Berkolaborasi dengan Sales, Finance, Collection, Legal, dan unit bisnis lainnya untuk mendukung keputusan kredit yang tepat dan pengelolaan risiko yang efektif. 7. Menyusun laporan risiko kredit, analisis portofolio, serta rekomendasi mitigasi risiko kepada manajemen. 8. Mengidentifikasi peluang perbaikan proses dan meningkatkan efektivitas sistem pengelolaan risiko kredit melalui pemanfaatan data dan analisis. 9. Mendukung audit internal maupun eksternal serta memastikan kepatuhan terhadap kebijakan perusahaan dan peraturan yang berlaku. "Our company has never levied any fees for the recruitment process nor has it required to order tickets and accommodation through a certain travel agent or certain person." We are a leading, publicly-listed, global seed-to-shelf agribusiness committed to sustainable palm oil production. Our palm oil plantations cover more than 138,000 hectares (including smallholder farmers). Our primary activities are cultivating and harvesting oil palms, processing fresh fruit bunches (FFBs) into crude palm oil (CPO) and palm kernel, and refining CPO into value-added products such as cooking oil, margarine, and shortening. We own 46 mills and operate 8 downstream facilities that manage refining and kernel crushing operations, across Indonesia. Besides bulk and industrial oil, our refined products are also marketed under several brands well-loved consumer brands such as Filma and Kunci Mas. Today, these brands have been recognised for their high quality and command significant market share in their respective segments in Indonesia. Based in Jakarta, we were founded in 1962 and listed on the Indonesia Stock Exchange in 1992. A subsidiary of Golden Agri-Resources (GAR), we have Sinar Mas Oleochemical, SMART Research Institute (SMARTRI), and SMART Biotechnology Centre within our operations. Why join us? Palm oil and agriculture play a significant role in meeting the growing world population's demands for sustainable and innovative solutions to nutrition, energy and personal care products. As a leading global seed-to-shelf agribusiness, we want talents who are ready to overcome future challenges in this sector, and be part of sustainably feeding and fueling generations.

AR & Credit Risk Assistant Manager.

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