We are looking for a strategic credit risk leader to build and own the credit risk function for PayJoy Indonesia. This is a founding leadership role: you will define the credit risk agenda from the ground up, determine the problems the function needs to solve, and be personally accountable for portfolio outcomes at the country level.  PayJoy is a large global FinTech and we are excited to begin scaling our operations in Indonesia.  Our mission of finance for the next billion has worked in 8 markets globally and we believe our mission and model are an exceptional fit for the Indonesian market.

You will start by doing — writing the policies, running the analysis, owning the regulatory relationships.  After achieving economic scale you will grow the team. The ideal candidate has the technical depth to work in the data directly and the strategic instincts to set direction for an entire market. This is not a role where someone hands you a playbook. You write it.