Credit Risk Architect for SME Lending & Analytics

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

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.