Senior Credit Risk Manager, Lending TH

Job Description – Credit Risk, Senior Manager (Thailand)

Credit Risk, Senior Manager (TH) manages the entire Thailand 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 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.

Get to know the Role:

• Jointly, along with Regional Credit Risk Head owning the credit quality (Target NPL, Write-off etc) of the Thailand Lending portfolio.
• Optimize underwriting and customer portfolio management risk policies through use of analytics and strategies
• 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
• Participating in major department projects and taking an active role in cross-functional teams to assist in driving quality improvements, processes and initiatives.
• Understanding, learning the best Risk and Credit practices from other markets and implementing for Thailand portfolio
• Analyzing credit data and financial conditions and authorizing customer credit lines to determine the degree of risk involved in extending credit or lending money.
• Analysing financial data such as income growth, quality of management and market share to determine the expected profitability of loans.
• Evaluating customer records and recommending payment plans based on earnings, savings data, payment history and purchasing activity.
• Minimising bad debt risk and maximising accounts receivable collections.
• Participating in process improvement projects and supporting other directives as prescribed.
• Being responsible for assessing credit risk and establishing credit limits.
• Providing financial order management support to the supervisor and related departments for exposure, effect timely payments and minimising the risk of customer disputes.

The must haves:

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

• Minimum 10 years relevant work experience with Financial Institutions 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

• Expert in Consumer (PAX) and SME credit life cycle and well versed with Credit Policy, risk mitigation and collection strategies

• Strong interpersonal skills with highly developed capacity to influence related business stakeholders

• Proficient in both Thai and English language

• 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