全职 Manager, Credit Risk 工作, 薪水, Grab Selangor 公司招聘中 - Ricebowl

Get to know the team

Join the GFin Lending team at Grab – a high-velocity team dedicated to expanding financial access across Malaysia. We are the architects behind Grab's consumer lending ecosystem, ensuring that our Retail products—including BNPL (PayLater) and Cash Loans—are both accessible to our users and sustainable for our business. Our culture is deeply analytical, collaborative, and fast-paced, where we leverage data-driven insights to balance risk and drive financial inclusion.

Get to know the role

Reporting directly to the Head of Credit Risk for Malaysia, you will be the strategic lead for the Retail Credit Risk vertical. Your mandate is to ensure the retail lending portfolio meets its P&L targets through disciplined risk-reward optimization. This is a "Segment CEO" style role where you will own the end-to-end credit strategy, navigating a complex matrix of stakeholders to safeguard the health of our front-book.

This role is based onsite in our Petaling Jaya office.

The Critical Tasks You Will Perform

• Strategic P&L Ownership: Architect and implement retail credit risk strategies (BNPL, Cash Loans) to hit P&L targets and maximize Risk-Adjusted Returns (RAR).
• Technical Policy Execution: Define risk segments and whitelisting logic, ensuring policy intent is accurately mirrored in the Credit Decision Engine (CDE) through rigorous UAT.
• Portfolio Surveillance & Deep Dives: Lead pro-active monitoring and technical deep-dives using SQL/Python to analyze front-book impact, vintage performance, and flow-to-loss rates.
• Stakeholder Orchestration: Collaborate with Product, Engineering, Data Science, and D&A to align technical data pipelines with credit strategy and business growth.
• Forecasting & Provisioning: Manage risk model parameters (PD/LGD/EAD), backtesting, and provisioning calculations to ensure accurate financial exposure reporting.

What Essential Skills You Will Need

• Retail Lending Expertise : 7+ years in Credit Risk Management for high-volume consumer products (BNPL, Cash Loans, or Credit Cards), preferably in a Bank or Fintech environment, with hands-on experience in portfolio monitoring and strategy execution.
• Advanced Technical Stack : Proficiency in SQL and Python is mandatory for independent data extraction, portfolio deep-dives, and strategy analysis/backtesting.
• Strategic Acumen : Experience contributing to credit policies, supporting risk segmentation, and executing large-scale automated decisioning strategies, with the ability to balance risk objectives with commercial growth.
• Technical Systems Knowledge : Working knowledge of Credit Decision Engines (CDE), including exposure to rule implementation, testing, and collaboration with engineering teams for deployment.
• Portfolio Governance : Good understanding of Malaysian credit infrastructure (CTOS/CCRIS) and experience working with stakeholders across Product, Engineering, senior country business/commercial teams, and regional risk.