Credit Analyst (Financial Service)

Jakarta, Indonesia | Financial Service | Full-time | Partially remote


Mekari is Indonesia's no. 1 Software-as-a-Service (SaaS) company. With our ecosystem of software solutions—including Mekari Jurnal, Mekari Talenta, Mekari Qontak, and Mekari Flex, we aim to facilitate entrepreneurs and leaders as they accelerate the digital transformation of their businesses.

In our 10+ years of journey we have reached over 1 Million platform users, and we're not planning to stop any time soon. We need more people like you: builders and owners with calculated ambition who are eager to grow and create their #BiggestImpact.

Job Summary:

Mekari Financial Services is seeking a Credit Risk Analyst with 1-3 years of experience to join our dynamic team. The successful candidate will have a keen eye for detail, a strong understanding of financial statements, and a passion for evaluating the financial health of businesses. This role is crucial in supporting our company’s mission of providing top-tier lending services to our business clients by ensuring we make well-informed lending decisions.

Key Responsibilities: 

  1. Financial Statement Analysis: Review and analyze business financial statements including balance sheets, income statements, and cash flow statements.
  2. Credit Risk Assessment: Evaluate the creditworthiness of potential clients by determining their financial stability, liquidity, profitability, and payment history.
  3. Loan Recommendation: Prepare detailed credit memo to our committee that include recommendations for loan approvals, modifications, or rejections based on a thorough analysis.
  4. Ongoing Portfolio Management: Monitor and manage existing loan portfolios to identify any potential risks or changes in clients' financial positions.
  5. Market Trend Analysis: Stay updated with market trends and economic indicators that could affect the credit risk associated with current and potential clients.
  6. Collaboration: Work closely with the sales and loan processing teams to expedite loan processes and ensure that credit policies are adhered to.
  7. Continuous Learning: Stay updated with industry best practices, regulations, and new analytical techniques to enhance the credit evaluation process.


  • Bachelor’s degree in Finance, Economics, Accounting, or a related field.
  • 1-3 years proven of experience as a credit analyst, preferably in SMEs would be an added advantage.
  • Positive attitude and self-motivated
  • Proficiency in analyzing financial statements and understanding financial ratios.
  • Strong analytical, problem-solving, and decision-making skills.
  • Ability to work independently and handle multiple projects concurrently.
  • Excellent verbal and written communication skills.
  • Knowledge of industry-specific software and tools is a plus.


What You Will Get:

1. Competitive salary + daily allowance.
2. Premium private health insurance (outpatient, inpatient, maternity, dental).
3. Early access to salary + flex installment (employee loan) via Mekari Flex.
4. Allowance for sports activities and glasses/contact lenses.
5. Flexible working hours and remote work culture with free co-working space services.
6. Annual and unpaid leaves from day 1 of join date + unlimited sick leave with doctor note.
7. Notebook Ownership Program.
8. Strategic office location, accessible by MRT.
9. Friendly and dynamic work environment.
10. Opportunity to take part in growing Indonesia's no. 1 SaaS company

Our team will review your application and will be in touch if your application is shortlisted to the next stage. If you do not hear from us in 30 days, we will keep your resume on file in case a relevant opportunity opens up. 

Don't forget to check our Recruitment FAQ at [ENG] or [INA] to find the answers to commonly-asked questions regarding our recruitment process.

We wish you the best. Hope to see you around soon!