Description

Job description

Job Overview

We are seeking a Credit Risk Management Specialist to design and implement credit risk strategies for consumer lending products in Thailand or the Philippines. The ideal candidate will have hands-on experience in end-to-end credit risk management (pre-loan, mid-loan, post-loan), deep knowledge of local regulatory requirements, and strong communication skills to align risk priorities with business goals. This role requires a detail-oriented approach to risk mitigation while fostering collaboration with local stakeholders.

Key Responsibilities

Credit Risk Strategy Execution

Develop and refine credit risk policies and strategies for consumer loans (e.g., unsecured loans, SME financing) in Thailand/Philippines.

Design underwriting criteria, scoring models, and decision rules to balance risk appetite with business growth targets.

Monitor portfolio performance (e.g., delinquency rates, loss ratios) and adjust strategies to mitigate emerging risks.

Regulatory Compliance & Stakeholder Collaboration

Ensure compliance with local regulations (e.g., Bank of Thailand's guidelines, Bangko Sentral ng Pilipinas requirements).

Maintain strong relationships with local regulators (e.g., BOT, BSP) to address audit findings and stay informed of regulatory changes.

Collaborate with funding partners (e.g., banks, NBFCs) to align risk frameworks with their requirements and resolve disputes.

Risk Monitoring & Reporting

Build and maintain real-time risk dashboards to track key metrics (e.g., default rates, fraud detection rates).

Prepare clear, actionable reports for internal teams and external stakeholders to communicate risk trends and recommendations.

Fraud & Operational Risk Management

Lead initiatives to detect and prevent fraud (e.g., identity theft, application fraud) using tools like anomaly detection and behavioral analytics.

Identify operational risks in loan lifecycle processes and propose mitigation measures.

Cross-Functional Collaboration

Partner with product, technology, and operations teams to integrate risk controls into product features (e.g., KYC processes, loan disbursement).

Support business teams in resolving customer disputes or high-risk cases while adhering to risk policies.

Job Requirement

Qualifications

Must-Haves:

5+ years of experience in credit risk management, with 3+ years in consumer lending (e.g., fintech, banks, NBFCs) in Thailand or the Philippines.

Hands-on expertise in developing and optimizing pre-loan, mid-loan, and post-loan risk strategies, including scoring models and fraud detection tools.

Deep understanding of local regulations (e.g., Thai Consumer Protection Board rules, Philippine Anti-Money Laundering Act).

Proven track record of collaborating with regulators (e.g., BOT, BSP) and resolving compliance-related challenges.

Strong communication skills to negotiate with local funding partners, explain technical risks to non-technical stakeholders, and present findings to senior management.

Fluency in English and proficiency in Thai or Filipino language (depending on the country).

Nice to Have:

Experience with alternative data sources (e.g., telco data, e-commerce transactions) for credit scoring.

Knowledge of local consumer behavior and market dynamics in Thailand/Philippines.

Certification in risk management (e.g., CFA, FRM) or degree in Finance, Statistics, or related field.

Why This Role?

Impact: Directly shape risk strategies for a growing consumer credit business in Thailand or the Philippines.

Growth: Work with cutting-edge tools and data-driven approaches in digital finance.

Culture: Join a team focused on balancing innovation with rigorous risk management.