Credit Risk Management (VP / FVP / SVP)

  • Competitive
  • Singapore
  • Permanent, Full time
  • MoolahSense Private Limited
  • 21 Feb 18 2018-02-21

Do you desire to be a thought leader in the Future of SME Credit? Are you looking to play a part in reshaping the financial system? Are you passionate about SME lending and feel that their financing can be better served with more alternative choices? Come join us and be part of a leading marketplace lender, a financial innovator in the domain of SME lending. Help SMEs expand their sources of finance!

Key Responsibilities

  • Drive the development and validation of predictive and self learning algorithms for credit decisioning
  • Improvise and develop credit strategies for specific SME segments through advanced data science
  • Drive the digitalization of credit processes end to end (origination, analysis, disbursement, collection, monitoring and recovery) through cross functional collaboration
  • Implement an automated system of credit analysis and quality assurance for loans made
  • Evaluate and approve SME loans originated by the Business Financing team and channels
  • Ensuring sound asset quality, appropriate credit risk management procedures and balanced credit culture, whilst ensuring that the credit approval process and other risk management procedures are responsive to customer needs
  • Review credit on delinquent accounts, evaluate likelihood of recovery and manage collection duties to recover the debt
  • Develop and maintain the risk management framework
  • Develop and continuously improve the risk appetite framework and the stress and scenario testing framework and clearly articulate/communicate risk strategy, appetite and policies
  • Identify emerging risk issues, escalate where appropriate initiate mitigating strategies and report to the Risk Committee and/ or Board as appropriate
  • Ensure development and implementation of systems and reports sufficient to identify, monitor, control and report on risk exposures against existing approved limits

Requirements

  1. Minimum 8-10 years experience in SME lending, credit review, approval, risk analytics, portfolio management or recovery
  2. Preferred market experience: Singapore, Malaysia
  3. Advanced knowledge of Excel, working knowledge of SQL or R.
  4. Masters or Ph.D. in a quantitative field (Finance, Mathematics, Economics, Engineering etc.)
  5. Excellent people skills
  6. Strong in written and verbal communications

*The stated experience level is a guide and does not preclude applications from candidates with more or less experience, provided the requisite skills can be demonstrated