Our client, a well-established bank with a strong and growing presence in Asia, is seeking an experienced Director - Credit Risk Manager to lead the development and execution of credit risk frameworks across its unsecured consumer lending portfolio. This is a high-impact leadership role focused on driving sustainable portfolio growth through data-driven risk strategies, advanced analytics, and strong governance.
Key Responsibilities:
- Lead the design, implementation, and optimisation of end-to-end credit risk strategies across unsecured consumer lending products, including acquisition, underwriting, line management, and collections strategies
- Develop and oversee risk frameworks covering credit policy, score cut-offs, affordability and indebtedness assessments, loan sizing, pricing, and risk segmentation
- Drive portfolio growth while maintaining disciplined risk management aligned with the bank's risk appetite and regulatory expectations
- Utilise advanced analytics, alternative data, and AI/ML techniques to enhance credit decisioning, fraud detection, customer segmentation, and portfolio monitoring
- Oversee portfolio performance analytics across origination, customer behaviour, delinquency trends, and collections effectiveness, ensuring proactive risk mitigation actions
- Lead the development, implementation, validation, and governance of credit risk models including PD, LGD, EAD, and behavioural scorecards
- Partner closely with Product, Data Science, Engineering, Finance, Compliance, and Operations teams to deliver scalable and commercially effective lending solutions
- Provide strategic leadership on regulatory engagement, audit reviews, model governance, and policy approvals relating to unsecured lending portfolios
Requirements:
- Bachelor's or Master's degree in Finance, Engineering, Economics, Mathematics, Data Science
- 10–15+ years of experience in consumer credit risk within retail banking, fintech, or digital banking environments, with significant exposure to unsecured lending products
- Proven leadership experience in credit risk analytics, portfolio strategy, or retail risk management at a senior management level
- Deep understanding of unsecured consumer lending regulations and regulatory frameworks across Asia markets
- Strong expertise in credit risk modelling methodologies (PD, LGD, EAD), scorecard development, model validation, and strategy implementation
- Strong commercial acumen with the ability to balance growth, profitability, and risk management objectives
- Excellent stakeholder management and communication skills, with experience engaging senior leadership, regulators, and cross-functional teams
- Experience within digital banks, fintech lenders, or data-led lending platforms will be highly advantageous
For candidates who are interested, please email your CV directly in Word format with job reference no. 000016409 to [Confidential Information].
Please note that due to the high volume of applications, only shortlisted candidates will be contacted. If you do not hear from us within 5 business days, we regret to inform you that your application has been unsuccessful.
EA Licence: 16S8131
Recruiter Licence: R22104669
