Credit Portfolio Risk Manager

What You’ll Do:

• Conduct deep-dive analyses, enhance monitoring tool, prepare report on the credit portfolio in terms of portfolio risk performance, customer risk profile, policy performance, and predicting risk patterns / trends.
• Provide suggestions to refine the credit decisioning and related policies / processes (e.g., credit / product offering, underwriting, account / portfolio management, collection).
• Liaise with related stakeholders to formulate and execute the credit strategy / credit risk management / risk mitigation guidelines, ensuring alignment with the company’s strategic objectives and risk appetite.
• Utilize data-driven insights / ML analytics to identify the targeted area for improvements and support in business growth opportunities.

What You’ll Need:

• Minimum 5 years of experience in portfolio risk management, risk strategy, credit policy areas in the financial services sector i.e. banking / non-bank, digital lending, embedded finance, or BNPL businesses with the focus on the retail credit risk. 
• A degree in risk management, finance, financial engineering, data science, statistics or related fields. Relevant professional qualifications (e.g., CFA, FRM, RAI) is a plus.
• Self-starter with a strong sense of ownership and accountability for delivering results.
• Strong analytical and critical thinking skills with the ability to interpret extensive data and turn it into actionable strategies.
• Familiar with data query and analysis tools (e.g., Excel, SQL, Python).
• Familiar with credit risk models concept / methodology (e.g., credit scoring, PD / LGD models, risk-based pricing).
• Foundation knowledge in ML analytics is a plus.
• Excellent written and verbal communication skills with the ability to work effectively with both technical and non-technical stakeholders.
• Ability to work effectively in a fast-paced, dynamic environment.