Risk Analyst

Get to know our Team:

Grab’s lending business (GFSA – Grab Financial Services Asia) is a recent addition to Grab that focuses on extension of micro credit to the under-served community with respect to financial services. 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 team is responsible for setting up and executing the credit risk management policies and procedures while working closely with the Country Head, and Regional Credit Risk team to assist in shaping the use of data and technology in risk management methodologies. The individual joining the Country Credit 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.

Get to know the Role:

• Assists the Country Credit Risk Manager in developing an end to end robust credit framework and guidelines for management of the DAX/PAX/MEX Segments and formulate the policy along with the regional credit team.

• Takes ownership of real-time monitoring of overall PH portfolio quality across DAX/PAX/MEX Segments.

• Hence, takes the lead in creating, designing, managing, etc. the local scoring model in alignment with PH Credit Risk Head and Regional Credit Risk Team.

• Monitors credit performance to identify underwriting weaknesses for pivoting to new and innovative credit underwriting methods for business growth.

• Further, takes the lead in other modelling requirements such as, but not limited to IFRS9, ECL provisioning, etc. that may be applicable to PH environment; in alignment with PH Credit Risk Head, Regional Credit Risk Team and Regional Data Science Team.

• Assists in designing and implementation of reports and performance measurement dashboards for senior management with the relevant insights to enable senior management to make an informed decision.

• Will also be tasked to create, design, etc. employee performance metrics, dashboard and scorecard – processed by credit ops employee, TAT, quality of portfolio at employee level.

• Assists Country Credit Risk Manager is overall credit risk operations and credit approvals across segments (DAX/PAX/MEX).

• Collaborates closely with Country Credit Risk Manager in using alternative data within or outside GRAB eco-system and determine the viability to be included into the credit model in view of complexity and dynamics of each product segment (DAX/PAX/MEX).

• Collaborates closely with Country Credit Risk Manager, Regional Credit Team in PH specific modelling, dashboard, etc. uncover insights and identify targeted areas for improvements; liaise with the lending unit and collections to further optimise the lending portfolio.

• Assists Country Credit Risk Manager in ensuring that credit processes and operations are in adherence to local regulations and local licensing requirements. Aligns with Country Compliance Officer as necessary.

• Coordinates with the country operations and collections unit in development and implementation of data collection, data analytics and other strategies to analyze statistical efficiency and guide decision-making.

• Assists Country Credit Risk Manager in mentoring junior credit risk analysts in portfolio management.

• Performs related projects and tasks as may be assigned.

The must haves:

• A Bachelor’s degree, preferably in Statistics, Mathematics, Economics, Finance, Risk Management, or relevant background – unsecured lending environment.

• Minimum 5+ years relevant work experience in credit policy, credit analytics or credit underwriting role in an unsecured lending environment

• 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

• Very strong problem identification and solving mindset

• Has strong credit process and credit risk “hindsight” and “foresight”

• Objective and steadfast, able to see and communicate the big picture and has overall clarity on “what is the right thing for the overall business.”

• In the same manner, able to identify areas and points that he needs clarity on and need help and has no issues reaching out to immediate supervisor or authorized/qualified person.

• Self-motivated and independent learner who is willing to share knowledge with the team

• Able to work with minimal supervision. Able to establish a certain degree of self-sufficiency and delivers work in a timely and accurate manner since this is a qualitative as much as it is a quantitative role.

• Detail-oriented and efficient time manager who thrives in a dynamic and dynamic working environment

• Accountable (self, team, business), reliable, dependable, trustworthy, solid integrity

• Technical expertise regarding data models, data mining and segmentation techniques.

• Ability to conceptualize and execute credit scoring using non-conventional alternative data.

• Foundation in data query/manipulation using SQL and data visualization using tools like Tableau

• Programming languages like SAS, R, Python, SPSS, Matlab or other tools for statistical analysis

• Master's degree in a quantitative field.