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About the Role
Job Description
- 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.
- Work with data scienc...
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