Credit Portfolio Risk Manager/Senior 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., underwriting, account / portfolio management, collection).
• Liaise with related stakeholders to formulate and execute the credit strategy / credit risk management 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 6 years of experience in portfolio risk management, credit risk analytics areas in banking or lending business with the focus on the retail credit risk. Experience in digital lending business / fintech is a plus.
• A degree in data science, financial engineering, statistics, risk management or related fields. Relevant professional qualifications (e.g., CFA, FRM, RAI) is a plus. 
• Strong analytical and critical thinking skills with the ability to interpret extensive data and turn it into actionable strategies.
• Proficient in data analytics, data visualization tools (e.g, Python, advanced Excel, Power BI). 
• Familiar in credit risk models concept / methodology (e.g., credit scoring, PD / LGD models, risk-based pricing) and ML analytics.
• Ability to work effectively in a fast-paced, dynamic environment.
• Proficient in business-level English. Excellent verbal and written communication skills with the ability to present complex information clearly to diverse audiences.