Regional MSME Credit Program Manager

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 credits 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 conceptualisation, design, development, execution and ongoing management of all lending activities in its focus markets and segments.
 

Get to know the Role:

Regional MSME Credit Program Manager manages Micro, Small & Medium Enterprise (MSME) credit portfolio by developing, tracking and overseeing credit risk management policies & procedures and underwriting framework. The team member works closely with the Country Risk team and country operations team to ensure risk objectives are met. The individual joining in this position 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.

The day-to-day activities:

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

• Optimize underwriting and customer portfolio management risk policies through use of analytics and strategies for MSME portfolios and roll out to respective countries.

• 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 Country teams, Regional Risk Head and key stakeholders

• Understand and implement the best lending practices in all markets and to embed successful acquisition strategies 

• Assist MSME product and MSME 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.

The must haves:

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

• Minimum 8+ years relevant work experience in MSME 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 

• Expert in MSME customer’s credit life cycle and well versed with MSME Credit Policy, risk mitigation and collection strategies

• 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.

Good to have:

• Proficiency in both English and Local Language 

• Technical expertise regarding credit risk models, data base management and segmentation techniques.

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