Assistant Manager, Regional Credit Risk, Consumer Lending

Financial Services; Selangor; On-site; MYR 120,000 - 180,000; Full time

Job summary

Grab Financial Group in Malaysia is seeking an Assistant Manager, Regional Credit Risk, Consumer Lending to shape risk strategies for BNPL across Southeast Asia. You will join the core risk team building underwriting, portfolio management, and reporting frameworks.

Based onsite in Petaling Jaya, you will partner with country risk teams and product stakeholders to implement analytics-driven credit policies, monitor risk, and advise on pricing and regulatory compliance.

Qualifications

• Optimize underwriting and portfolio management risk policies through use of analytics and strategies for consumer portfolios
• Understand, implement, and promote best lending practices across countries, ensuring integration with acquisition and portfolio management
• 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 risk parameters and ensuring regulatory compliance
• Drive business agenda with potential partners, ensuring optimal risk and profitability economics

Responsibilities

• Optimize underwriting and portfolio management risk policies through use of analytics and strategies for consumer portfolios
• Understand, implement, and promote best lending practices across countries, ensuring integration with acquisition and portfolio management
• 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 risk parameters and ensuring regulatory compliance
• Drive business agenda with potential partners, ensuring optimal risk and profitability economics

Job description

Assistant Manager, Regional Credit Risk, Consumer Lending

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 Petaling Jaya 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.