Credit Risk Management Specialist

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Credit Risk Management Specialist - Digital Banking
role at
Monee
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Join to apply for the
Credit Risk Management Specialist - Digital Banking
role at
Monee
Propose and implement credit strategy for retail and SME loan underwriting
Propose and implement obligor level credit conditional monitoring and early warning triggers for retail and SME loan
Conduct portfolio monitoring and analysis on concentration risk and asset quality
Set up loan grading and ECL staging criteria of loan portfolio
Prepare and analyse risk reports such as portfolio performance, industry exposure, vendor performance and historical customer trends
Coordinate with modeling team on risk tools development including decision scorecards and ECL/Basel models
Support conceptualisation development for new credit products suitable for retail and SME markets
Track and monitor the full credit cycle performance and risk appetite metrics.
Evaluate and influence to balanced business growth in the form of policy refinement and credit testing
Support countries through analysis to formulate policy and portfolio management to improve profitability
Support country with portfolio deep-dive analyses and provide insights with recommendations on policy changes to improve portfolio quality.
Support the development and growth into new strategic segments e.g. mass market.
Collaborate closely with collection team and feedback on collections policies or strategies that will help in reducing delinquency roll rates and losses
Job Description
Propose and implement credit strategy for retail and SME loan underwriting
Propose and implement obligor level credit conditional monitoring and early warning triggers for retail and SME loan
Conduct portfolio monitoring and analysis on concentration risk and asset quality
Set up loan grading and ECL staging criteria of loan portfolio
Prepare and analyse risk reports such as portfolio performance, industry exposure, vendor performance and historical customer trends
Coordinate with modeling team on risk tools development including decision scorecards and ECL/Basel models
Support conceptualisation development for new credit products suitable for retail and SME markets
Track and monitor the full credit cycle performance and risk appetite metrics.
Evaluate and influence to balanced business growth in the form of policy refinement and credit testing
Support countries through analysis to formulate policy and portfolio management to improve profitability
Support country with portfolio deep-dive analyses and provide insights with recommendations on policy changes to improve portfolio quality.
Support the development and growth into new strategic segments e.g. mass market.
Collaborate closely with collection team and feedback on collections policies or strategies that will help in reducing delinquency roll rates and losses
Requirements
Bachelors or above in a quantitative field (e.g.: Statistics, Financial Engineering)
Relevant hands-on banking or fin-tech experience, handling credit risk related portfolios
Familiar with regulations in South East Asia markets
Professional qualifications such as CA/ACCA/CPA/FRM would be advantageous
Strong Credit and Trade finance knowledge
Expert knowledge on risk areas, banking products, services and systems
Problem-solving, positive and constructive attitude is a must
Self-motivated and detailed oriented team player who is able to multitask in a fast-paced environment
Proficiency in data analytics/science tools such as Python, SAS, SQL etc. Experience with Big Data and AI/ML algorithms is preferrable.
System knowledge at implementing strategies / models is a plus.
Strong interpersonal and communication skills.
Seniority level
Seniority level Not Applicable
Employment type
Employment type Full-time
Job function
Job function Finance and Sales
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