Credit Risk Analyst - SME

Monee; Singapore; On-site; SGD 70,000 - 110,000; Full time

Job summary

Monee, a leading digital payments and financial services provider in Southeast Asia, is hiring a Credit Risk Analyst to develop end-to-end risk strategies for SME lending and to monitor portfolio performance and risk indicators.

You will collaborate with data science, product, business, and operations teams to improve scoring rules and decision processes, and provide actionable risk insights to senior management.

Qualifications

• Bachelor’s degree or above in Finance, Economics, Math, Statistics, Data Science, or related fields.
• 2+ years of credit risk experience in digital/direct lending, preferably SME lending.
• Proficient in Excel and SQL; Python skills are a plus.

Responsibilities

• Develop end-to-end credit risk strategies for SME lending products.
• Monitor portfolio performance and risk indicators; propose mitigations.
• Perform portfolio risk and profitability analysis to refine policies and optimize risk-return.
• Collaborate with data science, product, business, and operations teams to improve and implement scorecards, underwriting rules, and decision processes.
• Provide risk insights, analysis, and recommendations to stakeholders and senior management.
• Drive credit risk policy enhancements from data analysis to system implementation; design underwriting system flows and participate in decision engine set up and testing.

Skills

Credit risk analysis

Portfolio monitoring

Risk segmentation

Data-driven decision making

Education

Bachelor’s degree or higher

Tools

Excel

SQL

Python

Job description

About The Team

Monee is a leading digital payments and financial services provider in Southeast Asia with a growing presence in Latin America. Operating under Sea Limited, Monee delivers a range of digital financial products including mobile wallets, payment processing, credit, banking, and insurtech.

Job Description

• Develop end-to-end credit risk strategies for SME lending products, covering underwriting, credit policy, risk-based pricing, loan size, and tenure.
• Monitor portfolio performance including delinquency, roll rates, and risk indicators; propose risk mitigation and policy adjustments.
• Perform portfolio risk and profitability analysis to refine credit policies and optimize risk-return
• Collaborate with data science, product, business, and operations teams to improve and implement scorecards, underwriting rules, and decision processes.
• Provide risk insights, analysis, and recommendations to stakeholders and senior management.
• Drive credit risk policy enhancements from data analysis to system implementation; design underwriting system flows and participate in decision engine set up and testing.

Requirements

• Bachelor’s degree or above in Finance, Economics, Math, Statistics, Data Science, Business Analytics, or related fields.
• 2+ years of credit risk experience in digital/direct lending, preferably with exposure to SME lending.
• Self-motivated and detailed oriented team player who is able to multitask in a fast-paced environment with an ownership mindset.
• Proficient in Excel and SQL; Python skills are a plus.
• Strong quantitative analytical skills with keen attention to detail. Experience building automated risk dashboards is preferred
• Experience in fintech / banking / lending and hands-on experience conducting portfolio monitoring, vintage analysis, and risk segmentation is highly preferred.