Credit Risk Expert - Retail & SME

What you'll do

• 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.