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• Analyze data related to loan application funnels, customer behavior, and loan performance metrics.
• Identify patterns and trends in data that indicate potential areas for improvement in the lending process.
• Go beyond surface-level analysis to uncover underlying issues affecting loan performance and customer acquisition.
• Collaborate with cross-functional teams to interpret findings and recommend adjustments to risk policies or product features.
• Develop and maintain dashboards and reports that provide visibility into key performance indicators (KPIs).
• Present insights and recommendations to senior management, supporting data-driven decision-making.
• Work closely with the product and risk teams to implement changes that enhance the customer experience and improve loan performance.
• Stay informed about market trends and best practices in digital lending and data analytics.

• Digital Strategy Development:
• - Partner with the management team to identify opportunities for leveraging digital solutions to enhance MSME banking operations and customer experience.
• -Conduct in-depth analysis to understand the needs of MSME customers and propose digital enhancements accordingly.
• Business Requirements Design:
• - Lead the creation of detailed business requirement documents for digital initiatives, ensuring clear communication of needs and expectations between stakeholders and the IT department.
• - Validate the technical feasibility of proposed solutions and ensure they align with business objectives.
• Project Management:
• - Manage the lifecycle of digital solution projects, including planning, execution, monitoring, and closure, ensuring they are delivered on time, within scope, and budget.
• - Employ project management best practices and methodologies to ensure efficient and effective project execution.
• Change Management:
• - Develop and implement comprehensive change management strategies to facilitate the adoption of new digital tools and processes.
• - Provide training and support to ensure smooth transitions and minimize disruptions to business operations.
• Performance Analysis & Reporting:
• - Utilize analytics to track the performance of digital initiatives, identifying areas for improvement and reporting on their success and impact on MSME banking performance.
• - Prepare and present regular reports to management on project progress and outcomes.

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• Create comprehensive Standard Operating Procedures (SOPs) for various operational processes, focusing on clarity, efficiency, and compliance with industry standards.
• Analyze current workflows, identify inefficiencies, and propose optimized processes to enhance productivity and reduce operational costs.
• Utilize analytical tools and methods to gather and interpret data, providing actionable insights to support decision-making and process improvements.
• Evaluate existing working tools used across departments, recommend standardization strategies, and develop guidelines to ensure uniformity and effectiveness.
• Organize and maintain documentation related to SOPs, process maps, and tool standardization efforts, ensuring accessibility and version control.

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• Making dashboard for credit data quantitative
• Making coding to support Compile analysis related to NPL, Low Quality Credit (KKR), Write-off credit (WO), and other credit risk parameters.
• Collecting data for analysis needs
• Analyzing the Bank's risks related to weaknesses in the security system and other IT vulnerabilities.
• Monitoring and progress of completion of internal audit findings and OJK findings, particularly related to the implementation of the Bank's IT risk management.
• Responsible for other assignments as needed and or directed by the Risk Management Function Head.