Data Analyst, Credit Risk

SoftBank Investment Advisers (SBIA); Selangor; On-site; MYR 40,000 - 80,000; Full time

Job summary

An established industry player is seeking a Risk Associate to enhance credit risk management through innovative data solutions. This role involves developing credit frameworks, managing risk operations, and collaborating with cross-functional teams to optimize portfolio performance. You will leverage your expertise in data models and statistical analysis to drive impactful decisions, all while working in a supportive environment that values well-being and work-life balance. Join a dynamic team committed to empowering communities through technology and financial services.

Benefits

Term Life Insurance

Medical Insurance

Customizable Benefits through GrabFlex

Leave Options for Special Moments

Grabber Assistance Programme

Qualifications

• 5+ years of experience in credit policy and analytics.
• 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 methods for business growth.

Skills

Credit Policy Development

Credit Risk Analytics

Data Mining

SQL

Python

R

Statistical Analysis

Education

Bachelor's in Statistics

Bachelor's in Mathematics

Bachelor's in Economics

Bachelor's in Finance

Bachelor's in Risk Management

Tools

Statistical Analysis Tools

Data Visualization Tools

Job description

About Grab

Grab is Southeast Asia’s leading superapp, offering a suite of services including deliveries, mobility, financial services, and enterprise solutions. Grabbers come from all over the world, united by a mission to drive Southeast Asia forward by creating economic empowerment for everyone.

Job Description

Get to Know the Team

• Grab's lending business, Grab Financial Services Asia (GFSA), focuses on providing microcredit to underserved communities. The GFSA team combines talent from its Regional Hub in Singapore with local market expertise.
• The team aims to build a mix of business drive, industry knowledge, and local insights. It handles all aspects of lending, from conceptualization to ongoing management.
• The Country Credit team sets and executes credit risk management policies, working closely with the Country Head and Regional Credit Risk team, leveraging data and technology.

Get to Know the Role

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

Must Haves

• Bachelor's degree in Statistics, Mathematics, Economics, Finance, Risk Management, or related field.
• 5+ years of relevant experience in credit policy and analytics.
• Ability to build credit scoring models using non-conventional alternative data.
• Technical expertise in data models, data mining, and segmentation techniques.
• Proficiency in SQL, Python, R, or similar tools for statistical analysis.

About Grab and Our Workplace

Grab is Southeast Asia's leading superapp, providing services from food delivery to financial management and transportation. Our purpose is to drive Southeast Asia forward through technology and AI, empowering everyone with heart, hunger, honor, and humility.

Life at Grab

We prioritize your well-being with benefits such as Term Life and Medical Insurance, customizable benefits through GrabFlex, leave options for special moments and volunteering, and a confidential Grabber Assistance Programme. Our FlexWork arrangements support work-life balance.

Our Values

We are committed to an inclusive, equitable workplace that fosters growth and performance for all Grabbers. We consider all candidates fairly, regardless of nationality, ethnicity, religion, gender identity, sexual orientation, family commitments, disabilities, or other attributes.