Senior Credit Risk & Portfolio Strategy Lead

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

Job summary

Monee in Singapore seeks an experienced credit risk professional to lead regional product strategies, oversee stress testing and ICAAP exercises, and ensure governance across markets. The role requires hands-on banking or fintech experience and strong quantitative skills.

You will monitor risk, develop early warning triggers, collaborate with modeling and collections teams, and deliver regional risk reports to guide policy and profitability. Singapore-based position with regional scope.

Qualifications

• 5+ years of credit risk experience in banking or fintech.
• Experience handling credit risk portfolios.
• Familiar with regulations in South East Asia markets.
• Professional qualifications such as CA/ACCA/CPA/FRM would be advantageous.
• Expert knowledge on risk areas, banking products, services and systems.
• Problem-solving, positive and constructive attitude is a must.

Responsibilities

• Propose and implement credit strategy for regional products.
• Conduct stress testing and ICAAP exercises.
• Provide governance oversight across regional markets.
• Propose and implement obligor level credit conditional monitoring and early warning triggers for regional products.
• Conduct portfolio monitoring and analysis on concentration risk and asset quality.
• Prepare and analyse regional level risk reports such as portfolio performance, industry exposure, vendor performance and historical customer trends.
• Coordinate with modeling team on risk tools development including decision scorecards.
• Support conceptualisation development for new credit products suitable for regional products.
• Track and monitor the full credit cycle performance and risk appetite metrics.
• Evaluate and influence to balanced business growth in the form of policy refinement and credit testing.
• Support countries through analysis to formulate policy and portfolio management to improve profitability.
• Support country with portfolio deep-dive analyses and provide insights with recommendations on policy changes to improve portfolio quality.
• Support the development and growth into new strategic segments e.g. mass market.
• Collaborate closely with collection team and feedback on collections policies or strategies that will help in reducing delinquency roll rates and losses.

Skills

Credit risk

Quantitative analysis

Problem solving

Teamwork

Communication skills

Self-motivation

Multitasking

Education

Bachelor's or above in Statistics/Financial Engineering

CA/ACCA/CPA/FRM advantageous

Tools

VBA

SAS

SQL

Big Data

AI/ML algorithms

Job description

Monee in Singapore seeks an experienced credit risk professional to lead regional product strategies, oversee stress testing and ICAAP exercises, and ensure governance across markets. The role requires hands-on banking or fintech experience and strong quantitative skills.

You will monitor risk, develop early warning triggers, collaborate with modeling and collections teams, and deliver regional risk reports to guide policy and profitability. Singapore-based position with regional scope.