Job Description

Responsible for end-to-end credit risk strategies for direct lending products in different local markets, including underwriting frameworks, credit policy, loan size, risk-based pricing, and tenure eligibility.
Perform credit assessments and review borrower financials, bank statements, and available data sources to evaluate cash flow, leverage, and repayment capacity.
Use multiple data sources to support credit decision-making and risk assessment.
Monitor portfolio performance, including repayment behavior, delinquency trends, roll rates, and portfolio risk indicators, and recommend risk mitigation or policy adjustments when necessary.
Develop and track key risk indicators and early warning signals to identify emerging risks and portfolio trends.
Conduct portfolio risk and profitability analysis to support credit policy refinement, product optimization, and risk-return management.
Work with data science, product, business, and operations teams to improve credit scoring models, underwriting rules, and decision processes.
Provide credit risk insights, portfolio analysis, and recommendations to senior management and relevant stakeholders.
Ensure credit policies and risk processes comply with local regulatory requirements.

Requirements

Bachelor's and above degree in Finance, Economics, Mathematics, Statistics, Data Science, Business Analytics, or related fields.
At least 2 years of experience in Credit Risk, Direct Lending, Digital Lending, SME Lending, or Consumer Lending.
Experience in credit underwriting, credit policy, portfolio risk monitoring, or risk analytics.
Knowledge of financial statement analysis, cash flow analysis, and bank statement review.
Experience in portfolio monitoring such as delinquency, roll rate, or vintage analysis is a plus.
Proficiency in Excel is required; SQL or Python is a plus.
Strong analytical and problem-solving skills.
Good communication skills and ability to work with cross-functional teams.
Experience in fintech, banking, or lending businesses in SEA regional markets is highly preferred.

Credit Risk Expert -Direct Lending