Develop end-to-end credit risk strategies for Retail & SME direct lending products across SEA markets, covering underwriting, credit policy, risk-based pricing, loan size and tenure.
Conduct credit assessment via financial analysis, bank statement review and data validation to evaluate borrower cash flow and repayment capacity.
Utilize multiple data sources to support data-driven credit decisions and risk evaluation.
Monitor portfolio performance including delinquency, roll rates and risk indicators; propose risk mitigation and policy adjustments.
Establish and track KRIs and early warning signals to identify emerging portfolio risks.
Perform portfolio risk and profitability analysis to refine credit policies and optimize risk‑return.
Collaborate with data science, product, business and operations teams to improve scorecards, underwriting rules and decision processes.
Provide risk insights, analysis and recommendations to senior management and stakeholders.
Ensure credit policies and processes comply with local regulatory requirements.
Requirements
Bachelor's or above in Finance, Economics, Math, Statistics, Data Science, Business Analytics or related fields.
2+ years of credit risk experience and above in digital/direct lending, preferably with exposure to both Retail and SME lending.
Hands-on experience in underwriting, credit policy, portfolio monitoring or risk analytics.
Knowledge of financial statement, cash flow and bank statement analysis.
Familiarity with delinquency, roll rate or vintage analysis is a plus.
Proficient in Excel; SQL or Python skills are a plus.
Strong analytical and problem-solving skills.
Good communication and cross-functional collaboration skills.
Experience in fintech / banking / lending across SEA markets is highly preferred.
