Responsible for end-to-end credit risk strategies covering non-retail / SME lending, including underwriting frameworks, credit policy, loan size, risk-based pricing, and tenure eligibility, with a focus on heavy equipment and commercial vehicle loans.
Perform comprehensive credit assessments and reviews of SME borrower financials, including deep-dive reviews of Balance Sheets, P&L statements, and Cash Flow statements, to determine cash flow sustainability, leverage, and repayment capacity.
Analyze 6–12 months of bank statements to identify revenue consistency, average daily balances, and any red flags. Cross reference with financial statements.
Conduct onsite surveys, field visits, and borrower due diligence, including assessment of business operations, asset verification (e.g., trucks, fleets), management quality, and operational risks.
Manage portfolio risk and customer lifetime value through post-loan management, continuously monitoring the repayment and track the asset, initiate immediate contact for any missed payments, provide restructuring recommendations, and risk mitigation actions if necessary.
Develop, monitor, and enhance key risk indicators using internal and external data sources to identify emerging risk trends, concentration risks, and early warning signals.
Conduct in-depth analysis on portfolio risk exposure and profitability to identify opportunities for policy refinement, product optimization, and risk-return balancing.
Assess industry dynamics, borrower segments, and market conditions to support credit decision-making.
Provide clear, data-driven credit risk insights and recommendations to internal stakeholders, including senior management, data science, business, product, and operations teams.
Requirements
Bachelor's or Master's degree in Mathematics, Statistics, Quantitative Finance, Economics, Data Science, Business Analytics, or other quantitative disciplines.
4+ years of experience in Credit risk, with prior exposure to non-retail / SME credit underwriting or risk management considered a strong advantage.
Hands-on experience with truck loans or commercial vehicle financing is a plus; including borrower assessment, collateral evaluation, or portfolio monitoring.
Strong capability in financial statement analysis, including income statements, balance sheets, cash flow analysis, and identification of financial red flags in SME borrowers.
Prior experience conducting onsite due diligence, field surveys, and in-person borrower assessments, including review of business operations and asset verification.
Proficiency in SQL, Python, Excel is a plus.
Strong communication skills, with the ability to clearly articulate complex credit assessments and risk considerations to both technical and non-technical stakeholders.
