Assistant Manager, Country Credit Analyst

ACCA Careers; Kuala Selangor; On-site; MYR 40,000 - 80,000; Full time

Job summary

An innovative company is seeking a Risk Associate to join their dynamic team in Kuala Selangor. In this role, you will manage and structure data, automate credit risk assessments, and develop insightful dashboards to monitor portfolio performance. You will collaborate with cross-functional teams and external agencies to enhance credit processes, ensuring optimal lending strategies. This position offers a unique opportunity to contribute to the financial empowerment of underserved communities while working in a supportive environment that values diversity and inclusion.

Benefits

Term Life Insurance

Medical Insurance

GrabFlex benefits package

Parental leave

Birthday leave

Volunteering leave

Grabber Assistance Programme

FlexWork arrangements

Qualifications

• 5+ years of experience in credit risk management within financial services.
• Ability to build credit scoring models using alternative data.

Responsibilities

• Develop and implement credit frameworks for Driver and Consumer segments.
• Monitor credit performance and adapt to new methods for business growth.

Skills

Analytical Thinking

Credit Risk Management

Stakeholder Management

Data Mining

SQL

Python

Education

Bachelor's degree in Statistics

Bachelor's degree in Mathematics

Bachelor's degree in Economics

Bachelor's degree in Finance

Bachelor's degree in Risk Management

Tools

Statistical Analysis Tools

Credit Scoring Models

Job description

Company Description

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.

Job Description

Get to Know the Team

• Grab's lending business, Grab Financial Services Asia (GFSA), focuses on providing microcredit to under-served communities. The GFSA team combines talent from its Regional Hub in Singapore with deep local market operators.
• We aim to build a team with the best mix of business drive, industry expertise, and local market knowledge. The GFSA team handles all aspects of lending, from conceptualization to ongoing management in its focus markets.
• The Country Credit team sets and executes credit risk management policies, working closely with the Country Head and Regional Credit Risk team to use data and technology in risk management.

Get to Know the Role

• We're looking for a Risk Associate who will manage and structure internal and external data, automate credit risk assessment processes, and develop dashboards to monitor portfolio risk performance.
• You will report to the Head of Lending and work onsite at the Grab Malaysia office.

The Critical Tasks You Will Perform

• Develop and implement an end-to-end credit framework and policies for the Driver and Consumer segments in collaboration with the regional credit team.
• Manage credit risk operations and create a credit whitelist using alternative data to enhance credit models for the MEX segment.
• Establish and refine credit models, uncover insights, and collaborate with lending and collections teams to optimize the lending portfolio.
• Work with external agencies like RAMCI and Experian to improve credit processes and operational efficiency.
• Monitor credit performance, identify underwriting weaknesses, and adapt to new methods for business growth.
• Coordinate with cross-functional teams to develop data-driven strategies, credit policies, and collection strategies while minimizing credit loss.
• Design and implement performance dashboards to provide senior management with actionable insights for decision-making.

Qualifications

What Essential Skills You Will Need

• Bachelor's degree in Statistics, Mathematics, Economics, Finance, Risk Management, or a relevant field.
• 5+ years of relevant work experience in credit risk management roles within financial services or FinTech industry.
• Excellent analytical thinking, combining technical expertise with strategic insight.
• Strong presentation and stakeholder management skills, with the ability to collaborate across functions.
• Ability to conceptualize and build credit scoring models using non-conventional alternative data.
• Technical expertise in data models, data mining, and segmentation techniques.
• Basic knowledge of SQL & Python, and other tools for statistical analysis.

Additional Information

Life at Grab

We care about your well-being at Grab, here are some of the global benefits we offer:

• Term Life Insurance and comprehensive Medical Insurance.
• GrabFlex benefits package tailored to your needs.
• Parental and Birthday leave, and LASA volunteering leave to celebrate and give back.
• Confidential Grabber Assistance Programme for support through life's challenges.
• FlexWork arrangements such as differentiated hours for work-life balance.

What We Stand For At Grab

We are committed to building an inclusive and equitable workplace that enables diverse Grabbers to grow and perform at their best. As an equal opportunity employer, we consider all candidates fairly and equally regardless of nationality, ethnicity, religion, age, gender identity, sexual orientation, family commitments, physical and mental impairments or disabilities, and other attributes that make them unique.

For further information, and to apply, please visit our website via the “Apply” button below.

Candidates must be resident in Malaysia, or have the right to work in Malaysia.