Retail Credit Risk Analyst - Data-Driven Underwriting

Monee SG Private Limited

Singapore

On-site

SGD 70,000 - 120,000

Full time

7 days ago

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Job summary

Monee SG Private Limited in Singapore is seeking a Credit Risk Analyst to help build and monitor credit risk frameworks across SEA markets. You will work with data scientists, product, and operations to improve underwriting rules and decision processes for Retail lending.

You will analyze delinquency, roll rates, and risk indicators, propose policy adjustments, and ensure compliance with local regulations. The ideal candidate has 2+ years in credit risk and strong analytical and communication

Qualifications

Bachelor’s or above in Finance, Economics, Math, Statistics, Data Science, or related fields.
2+ years of credit risk experience in digital/direct lending is preferred.
Experience with underwriting, credit policy, portfolio monitoring or risk analytics is desirable.
Experience in fintech/banking is highly preferred.

Responsibilities

Develop end-to-end credit risk strategies for Retail direct lending across SEA markets.
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.
Collaborate with data science, product, business, and operations teams.
Provide risk insights and recommendations to senior management.
Ensure credit policies comply with local regulatory requirements.