Credit Risk Expert - Retail & SME Experienced (Individual Contributor) Singapore Risk Management

Monee; Singapore; On-site; SGD 60,000 - 100,000; Full time

Job summary

Monee, a leading digital payments and financial services provider, is hiring for a Credit Risk Analyst to develop end-to-end risk strategies for Retail lending across SEA markets. You will leverage multiple data sources, monitor portfolios, and collaborate with data science, product, and operations teams to refine scorecards and underwriting rules.

The role emphasizes risk insights, policy adjustments, and regulatory compliance, with cross-functional collaboration across SEA markets.

Qualifications

• 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 Retail lending.
• Hands-on experience in underwriting, credit policy, portfolio monitoring or risk analytics.
• Proficiency in Excel and SQL; Python skills are a plus.
• Strong analytical and problem-solving abilities.
• Good communication and cross-functional collaboration skills.
• Experience in fintech/banking/lending is highly preferred.

Responsibilities

• Develop end-to-end credit risk strategies for Retail direct lending across SEA markets.
• Utilize data sources to support data-driven credit decisions and risk evaluation.
• Monitor portfolio performance and propose risk mitigation and policy adjustments.
• Establish and track KRIs and early warning signals for portfolio risks.
• Perform portfolio risk and profitability analysis to refine credit policies.
• Collaborate with data science, product, business and operations teams to improve scorecards and underwriting rules.
• Provide risk insights and recommendations to senior management.
• Ensure credit policies comply with local regulatory requirements.

Skills

Analytical skills

Communication

Cross-functional collaboration

Education

Bachelor's or above in Finance/Economics/Math/Statistics/Data Science/Business Analytics

Tools

Excel

SQL

Python

Job description

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.

Job Description:

• Develop end-to-end credit risk strategies for Retail direct lending products across SEA markets, covering underwriting, credit policy, risk-based pricing, loan size and tenure.
• Utilize multiple data sources to support data-driven credit decisions and risk evaluation.
• Monitor portfolio performance including delinquency, roll rates and risk indicators; propose risk mitigation and policy adjustments.
• Establish and track KRIs and early warning signals to identify emerging portfolio risks.
• 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 scorecards, underwriting rules and decision processes.
• Provide risk insights, analysis and recommendations to senior management and stakeholders.
• Ensure credit policies and processes comply with local regulatory requirements.

Requirements:

• Bachelor's or above in Finance, Economics, Math, Statistics, Data Science, Business Analytics or related fields.
• 2+ years of credit risk experience and above in digital/direct lending, preferably with exposure to Retail lending.
• Hands-on experience in underwriting, credit policy, portfolio monitoring or risk analytics.
• Familiarity with delinquency, roll rate or vintage analysis is a plus.
• Proficient in Excel and SQL, Python skills are a plus.
• Strong analytical and problem-solving skills.
• Good communication and cross-functional collaboration skills.
• Experience in fintech / banking / lending is highly preferred.
• Strong self-motivation and ability to work independently