- Singapore
全职 Credit Risk Analyst, Retail Lending - Maribank 工作, 薪水, Monee 公司招聘中 - Ricebowl
工作地点
职位描述
岗位职责
Job Description
- Develop end-to-end credit risk strategies for Retail direct lending products across SEA markets, covering underwriting, credit policy, risk-based pricing, loan size and tenure.
- 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.
- Provide risk insights, analysis and recommendations to senior management and stakeholders.
- Ensure credit policies and processes comply with local regulatory requirements.
- Bachelor’s or above in Finance, Economics, Math, Statistics, Data Science, Business Analytics or related fields.
- 2+ years of credit risk experience and above in digital/direct lending, preferably with exposure to Retail lending.
- Hands-on experience in underwriting, credit policy, portfolio monitoring or risk analytics.
- Familiarity with delinquency, roll rate or vintage analysis is a plus.
- Proficient in Excel and SQL, Python skills are a plus.
- Strong analytical and problem-solving skills.
- Good communication and cross-functional collaboration skills.
- Experience in fintech / banking / lending is highly preferred.
- Strong self-motivation and ability to work independently
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