Hijra (previously known as the ALAMI Group) is a financial technology company that follows sharia principles. It was founded in 2018 by Dima Djani, Harza Sandityo, and Bembi Juniar. The company offers a range of services, including a peer-to-peer lending platform, mobile banking app, and mortgage all of which are based on sharia principles.
Hijra has a presence in 482 cities across 32 Indonesian provinces through both commercial and social initiatives.
The company's goal is to provide convenient, fair, and transparent access to sharia financing for the Muslim community and to support them on their journey to a more meaningful and impactful life.
Deliver financing risk analysis processes and procedures including but not limited to: Financial statement analysis, 5 C analysis, beneficiaries and payors background checking, and business model and historical background investigations.
Produce financing analysis reports and any ad-hoc related to the credit risk and investigations.
Bachelors degree in finance/accounting/other business specialty or equivalent.
Work Experience in Financial Industry
Has 4+ years of proven track records in credit analyst
Creative problem solving and solid judgment/decision making skill.
Ability to multitask effectively and leverage internal resources.
Excellent verbal, written, and organizational skills;
Creative problem solving and solid judgment/decision making skill;
Ability to read and interpret complex legal agreements, to identify a variety of covenants.
Knowledge of financial documents including financial statements, accounts receivable and inventory reports, etc;
Ability to give credit recommendation of any new potential and existing customer and ensure financing structure are well risk mitigated