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Moneep

Credit Risk Expert - Retail & SME

Moneep
Singapore
2-4 Years
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Job Description

Job Description

  • 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.

More Info

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

About Company

Moneep

Job ID: 149044757

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Last Updated: 11-06-2026 01:22:01 PM
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