Senior Manager, Credit Risk

PT Mitrausaha Indonesia Grup; Kuala Lumpur; On-site; MYR 60,000 - 100,000; Full time

Job summary

An established industry player is seeking a Credit and Risk Manager to oversee compliance and credit-related activities. In this pivotal role, you will implement frameworks for customer selection, identify risks, and provide expert advice to stakeholders. Your strong analytical and problem-solving skills will be essential as you enhance credit scoring systems and manage credit policies. This is an exciting opportunity to make a significant impact in a dynamic environment focused on supporting SMEs in Southeast Asia. If you are driven by results and thrive under pressure, this role is perfect for you.

Qualifications

• 7+ years of experience in credit underwriting and operations.
• Strong analytical skills to interpret credit and repayment data.

Responsibilities

• Oversee credit and risk matters ensuring compliance with policies.
• Identify risks in product portfolio and recommend solutions.

Skills

Analytical Skills

Problem-Solving Skills

Project Management

Credit Management

Team Management

Tools

Credit Scoring Systems

Statistical Models

Job description

Funding Societies | Modalku is the largest SME digital financing platform in Southeast Asia. We are licensed in Singapore, Indonesia, Thailand, and registered in Malaysia. We are backed by Sequoia India and Softbank Ventures Asia Corp amongst many others and provide business financing to small and medium-sized enterprises (SMEs), which is crowdfunded by individual and institutional investors.

And here at Funding Societies | Modalku we live by our core values:

• Grow Relentlessly: Strive to become our best, most authentic selves.
• Enable Teamwork, Disable Politics: Only by forging togetherness, we help each other succeed.
• Test Measure Act: Stay curious and reinvent ourselves, through innovation and experimentation.
• Focus on Impact: Create impact through bias for action and tangible results.
• Serve with Obsession: Build win-win relationships for the long-term by having a customer obsession.

This role will be responsible for overseeing the company’s credit and risk matters, ensuring that all credit-related activities are in compliance with both internal policies and external regulatory requirements; including credit underwriting, operations, and collection activities.

What will you do:

• Implement and ensure customer selection and acceptance framework to be within the acceptable credit decisioning framework and in compliance with internal and external guidelines/procedures/limits.
• Identify emerging and material risks within product portfolio and provide recommendations and solutions to Management team on credit & recovery risk portfolio management.
• Provide subject matter expert recommendations, advice, input/counsel to relevant stakeholders inclusive of Business Unit, Credit & Risk Committees or Management, as and when needed.
• Provide feedback and guidance on the best practices and advise on acceptable structure of financing applications to business unit.
• Develop, enhance and monitor the performance of the credit scoring systems and statistical models in credit decision.
• Manage and monitor the efficacy of credit policies, procedures, and supporting mechanisms in controlling credit risk and making appropriate credit-related recommendations.

What are we looking for:

• Minimum 7 years of experience in credit (underwriting & operations).
• Strong analytical and problem-solving skills with ability to analyse and interpret credit and repayment data.
• Ability to execute and drive projects to completion in a timely manner.
• Experience in handling SME portfolio.
• Strong knowledge of lending principles and credit management in Financial Service environment.
• Knowledge and experience in financial product development.
• Experience in managing a team and work collaboratively with cross-functional/department team members across the company.
• Performance-driven and ability to work under pressure to meet targets.