Develop end-to-end credit risk strategies for Retail & SME direct lending products across SEA markets, covering underwriting, credit policy, risk-based pricing, loan size and tenure.
Conduct credit assessment via financial analysis, bank statement review and data validation to evaluate borrower cash flow and repayment capacity.
Utilize multiple data sources to support data-driven credit decisions and risk evaluation.
Monitor portfolio performance including delinquency, roll rates and risk indicators; propose risk mitigation and policy adjustments.
Establish and track KRIs and early warning signals to identify emerging portfolio risks.
Perform portfolio risk and profitability analysis to refine credit policies and optimize risk‑return.
Collaborate with data science, product, business and operations teams to improve scorecards, underwriting rules and decision processes.