Assistant Manager, Country Credit Risk

Company Description

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 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 the internal and external data, automate credit risk assessment processes, and develop dashboards to monitor portfolio risk performance.
• You will report to the Head of Credit Risk.
• This role is based 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.
• Uncover insights from credit models, and collaborate with lending and collections teams to optimize the lending portfolio.
• 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 experience in credit risk management within financial services or FinTech industries.
• Strong analytical skills, combining technical expertise with strategic insight.
• Excellent presentation and stakeholder management skills, with the ability to collaborate across functions.
• Experience conceptualizing and building 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.
• Celebration of personal moments with Parental and Birthday leave, and community engagement through LASA volunteering leave.
• Confidential Grabber Assistance Programme for support through life's challenges.
• Flexible work arrangements, including differentiated hours.

Our Values

We are committed to building an inclusive and equitable workplace that provides equal opportunities for growth and performance. We consider all candidates fairly and equally, regardless of nationality, ethnicity, race, religion, age, gender, family commitments, disabilities, or other attributes that make them unique.

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

Candidates must be residents of Malaysia or have the right to work in Malaysia.