Credit Risk Analyst, Monee (2026 Graduate)

Monee SG Private Limited; Singapore; On-site; SGD 60,000 - 120,000; Full time

Job summary

Monee SG Private Limited is seeking a data-driven analyst to support credit risk analytics across its Southeast Asia portfolio. You will leverage SQL and Python to analyze portfolio performance, quantify delinquencies, and surface actionable insights for risk mitigation.

Ideal candidates are currently pursuing or have completed a Bachelor's degree in quantitative fields by 2026 and can communicate complex results to executives. This role offers growth in a dynamic fintech environment.

Qualifications

• Requires a Bachelor's degree in a quantitative field with strong academic results.
• Proficiency in SQL and Python to translate data into actionable insights.
• Internship or work experience in analytics or data-driven roles is a plus.
• Ability to handle ambiguity and drive analytics projects toward clear business outcomes.
• Strong attention to data quality and detail.

Responsibilities

• Monitor and analyze performance of existing portfolios, including delinquency trends and credit quality metrics.
• Identify emerging risks and provide actionable insights to mitigate potential losses.
• Support portfolio-level credit strategy assessment and regional policy alignment.
• Prepare portfolio reports, risk dashboards, and management summaries for senior leadership.

Skills

SQL

Python

Analytical thinking

Data management

Communicate results clearly

Education

Bachelor's Degree or above in Quantitative Finance, Statistics, Computer Science, Business Analytics, Data Science

Job description

About Monee

Monee is a leading digital payments and financial services provider in Southeast Asia, with a growing presence in Latin America. Its mission is to better the lives of individuals and businesses in the region with financial services through technology.

Monee delivers a comprehensive range of digital financial products and services, including mobile wallets, payment processing, credit, banking, and insurtech. By leveraging technology and strategic partnerships, Monee aims to drive greater digital financial inclusion, convenience, and accessibility for individuals and small businesses across Southeast Asia and Latin America.

Monee is part of Sea Limited, a global technology company.

• Monitor and analyze the performance of existing business portfolios, including delinquency trends, early warning indicators, and credit quality metrics
• Identify emerging risks within the portfolio and provide actionable insights to mitigate potential losses
• Support the assessment and optimization of portfolio-level credit strategies, ensuring alignment with regional credit risk policies
• Assist in developing recommendations for local credit risk policy updates based on regional guidance and portfolio observations
• Prepare portfolio reports, risk dashboards, and management summaries to support senior leadership decision-making
• Collaborate with Operations and Product teams to ensure consistent application of credit policies and effective risk controls
• Participate in periodic portfolio reviews, stress testing, and credit risk assessment exercises
• Provide analytical support for regulatory reporting, audits, and internal governance requirements

• Currently pursuing/possesses a Bachelor's Degree or above in Quantitative Finance, Statistics, Computer Science, Business Analytics, Data Science, and other related fields at a reputable university with strong academic credentials/results, expected to graduate by July 2026 and join us by August 2026
• Proficiency in SQL and Python, with the ability to translate data into actionable insights
• Prior internship/full-time/part-time working experience in operations analytics, data analytics, data-driven roles, or related field is a plus
• Comfortable with ambiguity and yet able to steer analytics projects toward clear business goals, testable hypotheses and action-oriented outcomes
• Excellent analytical thinking and solid experience in data management
• Strong attention to details and ability to notice discrepancies in data
• Ability to clearly communicate complex results to technical experts, business partners, and executives