Manager, Credit Risk, Portfolio Optimisation
2 days ago
**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 Regional Credit Risk department at GrabFin (Financial Services), develops and launches credit products across multiple countries in SouthEast Asia.
The position is within the core credit risk team that looks after Regional Risk Policy and Provision and owns the IFRS9 methodology and related policies and procedures. He/She will work closely across business lines and geographies (six markets) ensuring IFRS9 model is reviewed and improved on a continuous manner. The team member works closely with the Regional Risk team and country Business operations team to ensure risk objectives are met. The individual joining as Regional Risk Policy and Provision Manager 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 to compliance.
**Get to know the Role**
- Develop, implement and maintain Probability of Default (PD) models and credit risk methodologies for Financial Services for both regulatory and accounting (i.e IFRS9) purposes
- Support the model’s approval and governance process ensuring justification of modeling decisions and assumptions
- Engage with businesses, risk and finance teams to ensure models and methodologies are understood
- Explain models and methodologies to independent model reviewer, auditor and regulator
**The Day-to-Day Activities**
- Drive business agenda with potential partners and to evaluate the right economics of risk and profitability
- Assist product and credit programs, including the review / estimation of risk parameters, product pricing, product structure and regulatory requirements
- Assist in setting up the generation one of the compliance framework and assist in regulatory reporting on an adhoc basis.
**The Must-Haves**
- A Master’s degree/Bachelor’s degree, preferably in Finance, Accounting, Statistics, Mathematics, Economics
- Experience in IFRS9 Expected Credit Loss for Consumer Portfolio is a must
- Minimum 8+ years relevant work experience in Basel 2/Basel 3, IFRS9 and Credit Risk analytics or insights-related role
- With understanding of accounting and/or credit risk concepts
- 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
- Self-motivated and independent learner with a high level of drive, dedication and desire to excel consistently
- Detail-oriented and efficient time manager who thrives in a rapidly changing and dynamic working environment.
**The Nice-to-Haves**
- Proficiency in both English and Local Language
- Have experience in digital lending for either or both for consumer and SMEs
**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.
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