Senior Credit Risk Analyst I Contract I Fintech

Peoplebank Asia; Singapore; On-site; SGD 90,000 - 130,000; Full time

Job summary

A leading financial services firm in Singapore is seeking a Senior Credit Risk Analyst to proactively identify and manage credit risks. The ideal candidate will possess a Bachelor's in Finance and at least 10+ years of relevant experience, focusing on analyzing banks and fintechs in the Asia Pacific region. Strong analytical and communication skills along with proficiency in MS Office are required. This role will involve leading projects and engaging with senior management, ensuring robust credit risk management and compliance.

Qualifications

• 10+ years of experience managing collateral portfolios in the Asia Pacific region.
• Ability to interpret quantitative credit rating models.
• Proficiency in analyzing large datasets to inform credit decisions.

Responsibilities

• Identify credit risks and recommend mitigation strategies.
• Lead development of credit risk solutions for emerging Fintech players.
• Provide insights and scenario modeling for settlement risk management.

Skills

Credit risk analysis

Data analysis

Communication

Attention to detail

Project management

Education

Bachelor’s degree in Finance

MBA or CFA

Tools

MS Office

Job description

Senior Credit Risk Analyst I Contract I Fintech

Peoplebank Asia

Responsibilities

• Actively identify credit risks and recommend strategies to mitigate settlement risks.
• Prioritize new license applications to support the client’s Asia Pacific growth strategy, with a strong focus on South Asia markets.
• Lead and develop new credit risk solutions as the payments landscape shifts toward more complex business models.
• Partner proactively with business teams to address credit risks associated with emerging Fintech players, especially those with limited capitalization.
• Manage the Asia Pacific collateral portfolio, including overseeing the Collateral Manager to ensure timely renewals and accurate reporting.
• Identify key risks arising from new payment flows and propose enhanced collateral options to mitigate these exposures.
• Deliver training, strategic guidance, and recommendations to empower Account Executives with predefined collateral strategies.
• Contribute to the client’s key market initiatives (e.g., local collateral solutions in Bangladesh), ensuring robust processes for credit due diligence and ongoing monitoring.
• Provide proactive insights and scenario modeling to effectively manage settlement risks across the AP portfolio.
• Initiate ideas to automate and enhance risk management tools, ensuring effective monitoring and timely response to market changes.
• Drive process efficiencies and support key project initiatives led by the Global CSR team.
• Ensure adherence to Credit Risk Policies and Procedures when evaluating new clients and renewing existing ones.
• Coordinate global monthly, quarterly, and ad-hoc dashboards and management reports.
• Support cross-functional collaboration by offering sound credit-related advice and perspectives.
• Lead complex projects and meetings, deliver presentations, and engage effectively with senior management at both the client and external partners.

Requirements

• Bachelor’s degree in Finance or equivalent; strong knowledge of financial institutions, corporates, and fintechs. MBA or CFA preferred.
• Minimum 10+ years of relevant experience, including at least 5 years managing collateral portfolios and analyzing banks, non-bank financial institutions, corporates, or fintechs in the Asia Pacific region.
• Experience interpreting and managing quantitative credit rating models (Banks and Corporates).
• Strong ability to analyze large datasets and present clear, data-driven conclusions to senior management for key credit decisions.
• Sharp attention to detail with the ability to identify irregular financial trends during data analytics.
• Excellent verbal and written communication skills, with the ability to present concise recommendations to leadership.
• Knowledge of the payment industry is an advantage.
• Proficiency in MS Office.
• Strong organizational skills with the ability to manage competing deadlines in a fast-paced environment.