Credit Risk Strategist, Lending & Analytics

Monee; Singapore; Hybrid; SGD 60,000 - 90,000; Full time

Job summary

Monee, a leading digital payments and financial services provider in Southeast Asia and beyond, seeks a Credit Risk Specialist to lead end-to-end risk strategies for direct lending in multiple markets. You will review borrower data, assess cash flow, monitor delinquency, and refine underwriting rules while collaborating with data science, product, and operations.

The role requires 2+ years in credit risk, a finance/analytics degree, strong Excel skills, and the ability to communicate insights to

Qualifications

• Bachelor’s degree in Finance, Economics, Statistics, or related field.
• At least 2 years of experience in Credit Risk, Direct Lending, or SME/Consumer Lending.
• Experience in underwriting, credit policy, portfolio monitoring, or risk analytics.
• Knowledge of financial statement analysis, cash flow analysis, and bank statement review.
• Proficiency in Excel; SQL or Python is a plus.
• Strong analytical and problem-solving abilities; good communication.

Responsibilities

• Own end-to-end credit risk strategies for direct lending in multiple local markets.
• Perform credit assessments by reviewing borrower financials, bank statements, and data sources.
• Use multiple data sources to support credit decision-making and risk assessment.
• Monitor portfolio performance including delinquency trends and risk indicators; adjust policies as needed.
• Develop and track key risk indicators and early warning signals.
• Conduct portfolio risk and profitability analyses to refine risk policy.
• Collaborate with data science, product, business, and operations teams to improve scoring models and rules.
• Provide credit risk insights and recommendations to senior management and stakeholders.
• Ensure credit policies comply with local regulatory requirements.

Skills

Credit risk analysis

Financial statement analysis

Cash flow analysis

SQL

Python

Excel

Analytical thinking

Communication skills

Cross-functional work

Education

Bachelor’s degree in Finance

Tools

Excel

SQL

Job description

Monee, a leading digital payments and financial services provider in Southeast Asia and beyond, seeks a Credit Risk Specialist to lead end-to-end risk strategies for direct lending in multiple markets. You will review borrower data, assess cash flow, monitor delinquency, and refine underwriting rules while collaborating with data science, product, and operations.

The role requires 2+ years in credit risk, a finance/analytics degree, strong Excel skills, and the ability to communicate insights to