Credit Risk Strategist for Retail Lending

Monee; Singapore; Hybrid; 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, 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.