Job Description

• 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 ris...