Assistant Manager, Regional Credit Risk, Consumer Lending

TigerHire; Bengaluru; On-site; INR 1,200,000 - 2,400,000; Full time

Job summary

Grab Financial Group, the BNPL and credit risk unit of Grab, seeks an Assistant Manager for Regional Credit Risk in consumer lending. You will design underwriting and portfolio strategies, work with country risk teams, and ensure data integrity and robust reporting across markets.

This onsite role in Bengaluru offers exposure to cross-functional teams in risk, product, and analytics, with rapid professional growth in a dynamic fintech environment.

Qualifications

• Master's/Bachelor's degree in Statistics, Mathematics, Economics or related field.
• 4+ years in Credit Underwriting, MIS Reporting, Credit Policy, or Credit Analytics in financial services/FinTech.
• Experience with retail banking credit life cycle including origination and portfolio management, preferably in consumer lending.

Responsibilities

• Combine advanced analytics with strategic foresight to optimize credit risk strategy and portfolio risk.
• Investigate and promote best lending practices across countries to ensure successful acquisition and portfolio management.
• Continuously monitor portfolio risk reports to identify opportunities to improve credit program efficiency.
• Provide ad-hoc credit risk evaluations and advisory to Regional teams, Group Risk Head, and other stakeholders.
• Assist in product and credit program development, reviewing risk parameters, pricing, and regulatory compliance.
• Drive business agenda with partners to optimize risk and profitability economics.

Skills

Credit risk modeling

Database management

Segmentation techniques

Python

SQL

Power BI (advantage)

Education

Master's/Bachelor's in Statistics/Math/Economics or related

Tools

Python

SQL

Power BI

Job description

The rapidly expanding Regional Credit Risk department at Grab Financial Group (Grab's newest vertical in Financial Services space), develops and launches credit products across multiple countries in SouthEast Asia.

The position is within the core credit risk team that looks after Grab's Buy-Now-Pay-Later (BNPL) product, as we do this from scratch we have complete responsibility for each product: developing the backend (Credit Decision engine), the front-end (Limit Management), use of the data science models, and then creating a local setup in each country with scalable risk management and portfolio management solutions.

The Lending team is made up of a mix of risk management, product, design and software professionals, providing lots of opportunity to share knowledge and learnings across functions.

Get to Know the Role

The Assistant Manager for Regional Credit Risk in consumer lending is responsible for managing and driving credit risk management strategies, policies, and procedures. This role offers a unique opportunity for rapid professional growth, encompassing all aspects of the credit risk framework, from data integrity to system reporting. The individual will be involved in designing underwriting and account management strategies for the consumer portfolio and will work closely with the vertical/ functional heads, country risk teams, and other functional stakeholders to execute them.

This role will be reporting to Manager, Regional Credit Risk, Consumer Lending and be based onsite in our Bangalore office.

The Critical Tasks You Will Perform

The role will be responsible for combining advanced analytics with strategic foresight to optimize our credit risk strategy, operations, ensuring sustainable growth and steadfast compliance in a dynamic financial landscape Optimize underwriting and portfolio management risk policies through use of analytics and strategies for consumer portfolios Understand, implement, and promote best lending practices across different countries, ensuring successful acquisition and portfolio management strategies are integrated.

Continuously monitor portfolio risk reports, leveraging them to pinpoint and capitalize on opportunities for enhancing credit program efficiency.

Regularly provide ad-hoc credit risk evaluations and advisory to Regional teams, Group Risk Head, and other key stakeholders.

Assist in product and credit program development, reviewing and estimating risk parameters, product pricing, structure, and ensuring regulatory compliance.

Drive business agenda with potential partners, ensuring optimal risk and profitability economics.

What Essential Skills You Will Need

• A Master's/Bachelor's degree in a related domain in Statistics, Mathematics, Economics or relevant
• With a minimum 4 years in roles such as Credit Underwriting, MIS Reporting, Credit Policy, or Credit Analytics within the financial services or FinTech industry
• Experience with the retail banking customer credit life cycle, including origination and portfolio management; with prior experience in consumer lending (preferably credit cards/ personal loans/ Buy now pay later).
• Advanced technical expertise concerning credit risk models, database management, and segmentation techniques.
• Expertise in using Python and SQL for data analysis. Knowledge in visualization/dashboard tools such as Power BI will be an advantage.

About Grab and Our Workplace

Grab is Southeast Asia's leading superapp. From getting your favourite meals delivered to helping you manage your finances and getting around town hassle-free, we've got your back with everything. In Grab, purpose gives us joy and habits build excellence, while harnessing the power of Technology and AI to deliver the mission of driving Southeast Asia forward by economically empowering everyone, with heart, hunger, honour, and humility.