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Azkia Lavitasya

@azkialavitasya

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Credit analyst with fintech experience, skilled in credit assessment, portfolio management, and risk mitigation.

Indonesia

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What I'm looking for

I seek a fintech or financial services role focused on data-driven credit or risk analysis, collaborative teams, clear growth paths, and meaningful impact on lending decisions.

I am a results-driven credit analyst with a Bachelor's degree in Management from IPB University and experience across fintech, banking, and e-commerce. I specialize in credit assessment, portfolio management, and AML/KYC-compliant lending decisions informed by financial and alternative data.

At InfinID I analyze individual loan applications, prepare detailed credit reports, and present recommendations to credit committees; previously I managed end-to-end credit processes and client relationships for RSME lending at Maybank Indonesia. I combine quantitative analysis, market research, and strong stakeholder communication to support smart lending and risk mitigation.

I am passionate about data-driven finance and continuous professional growth in financial technology, bringing teamwork, communication, and practical experience in marketing partnerships, branding, and event management to cross-functional initiatives.

Experience

Work history, roles, and key accomplishments

Current

Credit Analyst

Current

InfinID

Feb 2025 - Present (8 months)

Analyze individual loan applications using financial, behavioral, and alternative data to produce credit recommendations and detailed reports; ensure compliance with OJK standards and AML/KYC protocols. Present cases to credit committee and propose loan terms and risk mitigants to support smart lending decisions.

Credit Analysis Financial Modeling KYC Credit Scoring Risk Assessment Report Writing Regulatory Compliance

RSME Lending Relationship Manager

PT Bank Maybank Indonesia

Apr 2023 - Feb 2025 (1 year 10 months)

Managed end-to-end corporate credit processes, conducted comprehensive credit analyses and background checks, and prepared credit proposals for committee approval while maintaining client relationships and monitoring credit covenants. Built customer base for corporate loans and ensured accurate credit documentation.

Credit Analysis Relationship Management Due Diligence Financial Statement Analysis Covenant Monitoring Client Acquisition

Marketing Partnership Intern

Blibli.com

Jan 2023 - Mar 2023 (2 months)

Managed partnerships with payment and telco partners, negotiated promotions, maintained promotion databases, and coordinated cross-functional teams to execute campaigns that supported platform marketing objectives. Built and maintained partner relationships for promotional activities.

Partnership Management Promotion Negotiation Campaign Management Database Management Cross Functional Collaboration Communication

Marketing Communication Intern

PT Pupuk Indonesia (Persero)

Sep 2021 - Mar 2022 (6 months)

Developed content and campaigns for Sahabat Petani social media, produced video testimonial-based brand awareness initiatives, and tracked promotion sales to refine marketing audience targeting. Compiled regulatory and product authorization data to support communications.

Content Strategy Social Media Marketing Campaign Management Brand Awareness Data Compilation Event Tracking Video Production

Education

Degrees, certifications, and relevant coursework

IPB University

Bachelor of Management, Management

2018 - 2022

Grade: 3.47/4.00

Activities and societies: Student department association member; event committee roles including Head Division of Public Relations and Chief Directorate of Public Relations (Ad Interim).

Completed a Bachelor in Management covering courses in marketing, operations, finance, HR, and risk management; active in departmental associations and event committees.