Lisa Lisaperu

Risk Analyst with 10 years of experience in banking with a strong background in credit risk, scorecard monitoring, and portfolio analysis. Experienced in using SAS programming and Python to analyze data, build reports, and support credit decisions.

Senior Associate, Credit Decision Analyst at DBS Bank (2024-05 – Present)

• Monitor and improve credit scorecard performance for consumer lending products
• Perform credit risk analysis to monitor Key Risk Indicator (KRI) regularly
• Support scorecard developments and its implementation based on cut-off memo and Risk Acceptance Criteria (RAC)

Associate, Risk Analyst Specialist at DBS Bank (2019-07 – 2024-04)

• Obtained Credit Risk Premium as part of the pricing of lending
• Defined credit acceptance criteria for peer-to-peer lending partners based on their portfolio data, industry benchmark, and bank risk appetite.
• Tracked portfolio performance, loss-to-sales, and risk premium using monthly reports.

Asst. Manager, Risk Analytics & Management Information System at OCBC Bank (2018-03 – 2019-06)

• Built acquisition and portfolio databases as underlying monitoring data and reconciled the numbers with Finance team
• Performed regular monitoring to ensure the portfolio trend was within the benchmark/KRI.
• Created early warning triggers (EWT) for monitoring reports and presented it to regional teams.

Officer, Risk Analytics & Management Information System at Permata Bank (2015-01 – 2018-02)

• Built a database for consumer lending products such as Credit Cards, Personal Loans, Auto Loans, and Small and Medium Enterprise products, and performed credit performance analysis for counterparts.
• Supported the Loan-Origination-System (LOS) by performing User Acceptance Testing (UAT) as agreed upon Functional Specification (FS) and quality checked the result as a user.

Master of Management in Risk Management – Universitas Indonesia (2021 – 2023)

Bachelor of Science in Mathematics – Universitas Indonesia (2010 – 2014)