Head, Credit Risk & Collections, Lending ID

Country Credit Risk Lead manages credit portfolio by developing, tracking and overseeing credit risk management policies & procedures and underwriting framework. The team member works closely with the Regional Risk team and country Business operations team to ensure risk objectives are met. The individual joining as Credit Lead 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 to compliance.

Get to know the Role​:

• Jointly, along with Regional Credit Risk Head, owns the credit quality (Target NPL, Write-off etc) of all portfolios.

• Optimize underwriting and customer portfolio management risk policies through use of analytics and strategies for consumer and SME portfolios

• Drive business agenda with potential partners and to evaluate the right economics of risk and profitability

• Assist business decisions through targeted acquisitions and profitability analysis

• Constantly monitor portfolio risk reports and effectively use the reports to identify potential opportunities to enhance efficiency of credit programs and processes

• To provide regular & ad-hoc credit risk evaluation and advisory to Regional teams, Regional Risk Head and key stakeholders

• Lead a team of 2-5 credit risk team members in Consumer and SME to ensure risk and return profile is optimized and is within the GFSA Risk appetite

• Understand and implement the best lending practices in their respective market and to embed successful acquisition strategies

• Assist product and credit programs, including the review / estimation of risk parameters, product pricing, product structure and regulatory requirements

• Assist in setting up the generation one of the compliance framework and assist in regulatory reporting on an adhoc basis.

Collections Responsibilities:

• Operations: setting-up, develop and lead day-to-day collection operations, including collections call centre, skip-tracing, field collections, external outsourcing vendors.

• Teambuilding: build, drive and develop the teams according to the highest standards of the industry.

• Collection strategies: provide from-the-field feedback to improve collection strategies.

• Collection content: develop efficient collection content adjusted to the country specific within Grab’s general policies. Improve policies and documents needed.

• Analytics: work with collections metrics to adjust the processes and improve performance.

• Develop and constantly improve motivation systems for different teams within various collection stages.

• Serve as a business partner on collections to various departments: Risk management, HR, IT, Customer Services and Credit Operations.

The must haves​:

• A Master’s degree/Bachelor’s degree, preferably in Statistics, Mathematics, Economics

• Minimum 8+ years relevant work experience in Credit Underwriting, MIS Reporting Credit policy, Credit analytics or insights related role and Lead a team of at least 2-3 members for a minimum of 2+ Years

• Experience in collections/credit operations in consumer finance/banking

• Expert in consumer banking customer’s credit life cycle and with a prior

  experience in SME lending

• Strong interpersonal skills with highly developed capacity to influence related

  business stakeholders

• Expertise in verbal and written communication skills

• Strong analytical skills with the ability to collect, organize and analyze

  significant amount of information with attention to detail and accuracy

• 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.

• Experience in working with collection and contact centre software, ability to test it.

• Fluent English and Local language.

• Good to have:

• Proficiency in both English and Local Language

• Technical expertise regarding credit risk models, database management and

  segmentation techniques.

• Have experience in digital lending for either or both for consumer and SMEs

• Professional collections certifications.

• International experience is an advantage.