Associate, Credit Risk

**Life at Grab**

At Grab, every Grabber is guided by The Grab Way, which spells out our mission, how we believe we can achieve it, and our operating principles - the 4Hs: Heart, Hunger, Honour and Humility. These principles guide and help us make decisions as we work to create economic empowerment for the people of Southeast Asia.

**Get to know the Team**

The rapidly expanding Credit department at Grab Financial Group (Grab’s newest vertical in Financial Services space), develops and launches credit products in Singapore.

The position is within the core credit risk team that looks after consumer products. We have complete responsibility for each product: developing the backend (Credit Decision engine), the front-end (Limit Management), use of the data science models, and setting up policies and frameworks.

The Lending team is made up of a mix of risk management, product, design and software professionals, providing lots of opportunity to share knowledge and learnings across functions.

**Get to know the Role**

The role manages and drives credit risk strategy for the lending consumer products in rapidly growing Singapore team. The individual will be involved in conceptualizing and designing innovative (and in most cases industry leading) underwriting & account management strategies and will work closely with the vertical/ functional business heads, country risk teams and other functional stakeholders. The role in the team will have the unique opportunity to rapidly grow professionally as the team embarks on this new journey across all aspects of the credit risk framework, from data integrity, to systems, reporting.

**The Day-to-Day Activities**:

- Optimize underwriting and customer portfolio management risk policies through use of analytics and strategies for consumer segment
- Assist business decisions through acquisitions targeting and profitability analysis
- Constantly monitor portfolio risk reports and effectively use the reports to identify potential opportunities to enhance efficiency of credit programs and processes
- To provide regular & ad-hoc credit risk evaluation and advisory to country risk teams, Group Risk Head and key stakeholders
- Understand and implement the best lending practices in the market and to embed successful acquisition strategies
- Assist product and credit programs, including the review / estimation of risk parameters, product pricing, product structure and regulatory requirements
- Drive business agenda with potential partners and to evaluate the right economics of risk and profitability

**The Must-Haves**:

- A Master’s degree/Bachelor’s degree, preferably in preferably in Statistics, Mathematics, Economics
- Prior hands on experience managing credit decision engine and hands on experience on python and SQL will be strongly preferred
- Has 1-3 years of relevant work experience in Credit Underwriting, MIS Reporting Credit policy, Credit analytics or insights related roles
- Has expertise in retail banking customer’s credit life cycle including origination and portfolio management
- Strong interpersonal skills with highly developed capacity to influence related business stakeholders
- Expertise in verbal and written communication skills
- Strong analytical skills with the ability to collect, organize and analyze significant amount of information with attention to detail and accuracy
- Detail-oriented and efficient time manager who thrives in a dynamic working environment

**The Nice-to-Haves**:

- Proficiency in English
- Technical expertise regarding credit risk models, database management and segmentation techniques.
- Having experience in developing Credit Scorecards/Data Science related models is a plus.

**Our Commitment**

We are committed to building diverse teams and creating an inclusive workplace that enables all Grabbers to perform at their best, regardless of nationality, ethnicity, religion, age, gender identity or sexual orientation and other attributes that make each Grabber unique.

**About Grab**

Grab is the leading superapp platform in Southeast Asia, providing everyday services that matter to consumers. Today, the Grab app has been downloaded onto millions of mobile devices, giving users access to over 9 million drivers, merchants, and agents. Grab offers a wide range of on-demand services in the region, including mobility, food, package and grocery delivery services, mobile payments, and financial services across 428 cities in eight countries.

**Join us today to drive Southeast Asia forward, together.