Responsible for end-to-end credit risk strategies for direct lending products in different local markets, including underwriting frameworks, credit policy, loan size, risk-based pricing, and tenure eligibility.
Perform credit assessments and review borrower financials, bank statements, and available data sources to evaluate cash flow, leverage, and repayment capacity.
Use multiple data sources to support credit decision-making and risk assessment.
Monitor portfolio performance, including repayment behavior, delinquency trends, roll rates, and portfolio risk indicators, and recommend risk mitigation or policy adjustments when necessary.
Develop and track key risk indicators and early warning signals to identify emerging risks and portfolio trends.
Conduct portfolio risk and profitability analysis to support credit policy refinement, product optimization, and risk-return management.