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Honest is a Series B fintech building Indonesia's dominant credit card platform. The company has raised $70 million, achieved over one million app downloads with a 4.8 rating, and is already the market leader in credit card issuance. You will own comprehensive risk management across all eight risk categories required by OJK (Indonesia's Financial Services Authority): credit, market, operational, strategic, liquidity, legal, compliance, and reputation.
In this senior role reporting directly to the board, you will set Honest's risk appetite, build systems to identify and mitigate problems before they become costly, and serve as the primary representative to OJK, Bank Indonesia, and lending partners on all risk matters. You will write and maintain the risk appetite statement, risk limits, and worst-case contingency plans, securing board approval annually. The role requires running the risk function independently from business and operations teams, with direct board visibility on risk exposure.
Key responsibilities include reviewing new products, partnerships, and underwriting changes for risk exposure before launch; building reporting systems that provide leadership with accurate, regular visibility into actual risk exposure; and developing a risk-aware culture across the company through training and clear communication. You will represent Honest to regulators and lenders, including preparing the annual risk profile report required by OJK each February.
The company operates from a single Jakarta office where commercial, growth, operations, and customer teams are co-located. You will work in-person with the team.
REQUIREMENTS:
- Bachelor's degree in Finance, Economics, Business Administration, or related field (MBA, FRM, PRM, or CFA preferred)
- Proven experience running or building risk management inside a regulated financial institution (bank, multifinance company, insurer, or pension fund)
- Working knowledge of OJK and Bank Indonesia regulations applicable to finance companies and credit card issuers
- Track record of building risk frameworks, not just maintaining existing ones
- Ability to represent the company confidently to regulators and lenders
- Fluent English; experience working across multiple markets is a plus
- Sharp analytical thinking combined with communication skills to persuade skeptical boards
- Preferred: experience with consumer lending or credit card risk (underwriting and collections), direct experience with OJK or Bank Indonesia, and enthusiasm for building a risk function from the ground up
