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Amartha is a technology company focused on creating shared prosperity by developing digital financial solutions for the grassroots economy. Founded in 2010 as a microfinance institution, Amartha connects rural, women-led micro-enterprises with affordable capital. Amartha is expanding as a tech company, building a microfinance ecosystem that connects to the growing digital economy through capital, investment, and payment services. By boosting the competitiveness of micro and small entrepreneurs, Amartha empowers women-led MSMEs, creates jobs, and fosters inclusive economic growth. About The Role This role is looking for a Portfolio Risk Senior Lead that plays a critical role in shaping Amartha’s credit policies, overseeing portfolio performance, and implementing risk strategies that align with our mission to support millions of underserved micro-businesses. You will collaborate with data, business, and operations teams to drive sustainable growth, reduce credit losses, and enhance financial inclusion across Indonesia. This role offers a unique opportunity to influence lending strategies at scale and contribute to a high-impact, purpose-driven organization. Responsibilities: Own the credit risk strategy — Define and drive the credit risk framework, policies, and risk appetite across all Amartha lending products, ensuring alignment with business growth targets and regulatory standards. Govern portfolio performance — Oversee end-to-end portfolio health through continuous monitoring, trend analysis, and segmentation, translating insights into strategic decisions for senior leadership. Lead cross-functional risk integration — Partner with Data Science, Product, and Operations leadership to embed risk considerations into product design and growth initiatives, balancing expansion with asset quality. Anticipate and mitigate emerging risks — Build early-warning systems and proactive mitigation strategies to safeguard portfolio quality ahead of market or macroeconomic shifts. Drive financial and risk planning — Provide credit forecasts, provisioning inputs, and risk-adjusted return analysis that directly inform company-wide financial planning and capital allocation decisions. Build organizational risk capability — Lead, mentor, and develop the credit risk team while establishing reporting standards and governance practices that ensure clear, actionable communication with senior management and the board.