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Credit Risk Expert -Direct Lending

MoNeed
2-4 Years
Singapore
Early Applicant
  • Posted 3 months ago
  • Be among the first 10 applicants

Job Description

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.

More Info

Job Type:
Permanent Job
Industry:
Other
Function:
Finance
Employment Type:
Full time

About Company

Job ID: 146157019

Last Updated: 23-06-2026 10:00:34 AM
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Credit Risk Expert -Direct Lending

Moneep
Singapore

Skills:

cash flow analysis , Python, Sql, Excel, Bank Statement Review, Credit Policy, Credit Risk, Credit Underwriting, Risk Analytics, Financial Statement Analysis, Portfolio Risk Monitoring