Credit Ops Executive, GFSA (PH)

Get to know our Team:

• Grab’s lending business (GFSA – Grab Financial Services Asia) is a recent addition to Grab’s array of product and service offerings focused on extension of Micro credit to drivers, agents and merchants in Grab’s ecosystem. GFSA team is a combination of strong talent pool in its Regional Hub (Singapore) and deep local market operators across its focus markets. We are incredibly excited about the opportunity ahead of us. We are looking to put together the best possible combination of business build drive, industry expertise and local market depth as part of our team. GFSA team is responsible for end to end conceptualization, design, development, execution and ongoing management of all lending activities in its focus markets and segments.
• The Country Credit Operations team is responsible for setting up and execution of the credit risk management policies and procedures, work in closely with the Country Head, Product and Regional Credit Risk team assisting in shaping technological and risk methodology improvements for all the markets. The individual joining the Country Credit Operations team will have the unique opportunity to rapidly grow professionally as the team embarks on this new journey across all aspects of the credit risk framework, from data integrity, to systems, reporting, and risk/capital methodologies.

Get to know the Role:

• Develop and implement the credit framework/Credit Policies for the country
• Assist in development and implementation of data collection, data analytics and other strategies to analyze statistical efficiency and guide decision-making
• Analyse data from eco-system that would assist in making Credit decisions
• Establish measurements to analyze credit model and policy performance, uncover insights and/or identify targeted areas for improvements
• Work with product and data scientists and other functions to deep dive on core credit issues and prioritize business and information needs
• Monitor credit performance metrics to identify issues, new and innovative credit processes or feature improvements and business growth opportunities
• Effectively conceptualize analysis to various stakeholders
• Assist in proving inputs from Credit Risk perspective for regulatory approvals
• Assist in designing and implementation of reports and performance measurement dashboards

The Must Haves:

• A Master’s degree/Bachelor’s degree, preferably in Statistics, Mathematics, Economics
• Minimum 2+ years relevant work experience in Credit policy, Credit analytics or insights related role.
• Strong foundation in data query/manipulation using SQL and data visualization using tools like Tableau
• Strong programming languages like SAS, R, Python, SPSS, Matlab or other tools for statistical analysis
• Strong analytical skills with the ability to collect, organize and analyze significant amount of information with attention to detail and accuracy
• Adept at queries, report writing and presenting findings
• Self-motivated and independent learner who is willing to share knowledge with the team
• Detail-oriented and efficient time manager who thrives in a dynamic and dynamic working environment

Good to Have:

• Prior experience in managing regulatory approvals in respective country
• Technical expertise regarding data models, data mining and segmentation techniques.