Deskripsi Pekerjaan
Join Monee as a Credit Risk Expert and shape the future of lending across Southeast Asia. We're seeking a strategic thinker to develop end-to-end credit risk strategies for Retail and SME direct lending products. In this pivotal role, you'll design robust underwriting frameworks, optimize credit policies, and implement dynamic risk management solutions that balance growth with portfolio stability. You'll analyze market trends, regulatory landscapes, and borrower behavior to mitigate risks while capitalizing on emerging opportunities in SEA's evolving fintech ecosystem. Collaborate with cross-functional teams to embed risk intelligence into lending processes and drive data-driven decision making. If you're passionate about transforming financial services through innovative risk approaches, this is your chance to make a significant impact.
Tanggung Jawab
- Develop comprehensive credit risk strategies for Retail & SME lending products across SEA markets
- Design and implement end-to-end underwriting frameworks and credit policies
- Conduct in-depth credit analysis and risk assessments for diverse borrower segments
- Monitor portfolio performance and identify/mitigate emerging risks
- Collaborate with product and technology teams to integrate risk controls into lending platforms
- Ensure compliance with regulatory requirements across SEA jurisdictions
- Lead initiatives to enhance risk modeling and data analytics capabilities
- Provide insights on market trends to inform strategic lending decisions
Kualifikasi
- Bachelor's degree in Finance, Economics, Business, or related field; advanced degree preferred
- 5+ years of experience in credit risk management with focus on Retail/SME lending
- Proven track record developing credit strategies and underwriting frameworks
- Deep understanding of SEA market dynamics and regulatory environments
- Strong analytical skills with proficiency in risk modeling and data interpretation
- Experience with digital lending platforms and fintech innovations
- Relevant certifications (FRM, CFA, CRCM) highly desirable
- Exceptional communication skills for cross-functional collaboration