Credit Risk Strategy Lead

Traveloka; Singapore; On-site; SGD 120,000 - 180,000; Full time

Job summary

Traveloka is seeking a senior risk leader in Singapore to own and evolve end-to-end risk strategy across the customer lifecycle. You will guide model development for application, behavior, and recovery, ensuring policies align with business growth and risk appetite.

Join a data-driven team and partner with Product, Engineering, Marketing to embed risk in growth initiatives. You will drive audits, governance, and policy experiments, while conducting portfolio stress testing to ensure resilience.

Qualifications

• 5–7 years of combined experience in credit risk and data analytics, data science, or business intelligence.
• Strong understanding of lending economics and credit lifecycle (approval, limit, pricing, delinquency, recovery).
• Familiarity with credit risk modelling concepts and ability to work with modelers and data teams effectively.
• Strong business acumen, able to balance risk and growth, communicate trade-offs, and influence decisions.
• Proficient in SQL and familiar with data analytics tools (e.g., Python, Tableau, Excel).
• Excellent written and verbal communication skills; able to simplify complex concepts for non-risk audiences.
• Self-driven, structured, and outcome-oriented; capable of driving initiatives independently in a fast-paced environment.

Responsibilities

• Own and continuously evolve the end-to-end risk strategy, covering acquisition criteria, credit limit assignment, pricing, and account management, translating strategic direction into policies embedded across the full customer lifecycle.
• Manage strategy and performance across multiple credit models, including application, behavior, transaction, and recovery, providing senior guidance to modelers and analysts on scorecard development, segmentation, and cutoff optimization.
• Streamline and align monitoring metrics across risk, collection, and fraud functions into one consistent view of portfolio health, spotting emerging trends early and driving structural fixes.
• Partner with Product, Business, Engineering, and Marketing to embed risk strategy into growth initiatives, assessing launches from a risk lens and communicating trade-offs to stakeholders.
• Represent the risk function in audits, regulatory reviews, and governance forums, preparing supporting documentation and speaking to policy decisions.
• Lead policy experimentation (A/B tests) end-to-end, balancing statistical rigor with business priorities to turn results into policy improvements.
• Run stress tests and scenario analysis on the portfolio to assess resilience under adverse conditions.
• Proactively spot gaps in the existing risk framework and lead initiatives to close them.

Skills

SQL

Python

Tableau

Excel

Communication

Data analytics

Credit risk

Job description

Traveloka is seeking a senior risk leader in Singapore to own and evolve end-to-end risk strategy across the customer lifecycle. You will guide model development for application, behavior, and recovery, ensuring policies align with business growth and risk appetite.

Join a data-driven team and partner with Product, Engineering, Marketing to embed risk in growth initiatives. You will drive audits, governance, and policy experiments, while conducting portfolio stress testing to ensure resilience.