Head, Country Credit Risk, Thailand

Your Responsibilities Will Include

• Enhancing underwriting and portfolio management risk policies through the application of analytics and strategies for consumers and eco-system partner portfolios.
• Regularly scrutinizing portfolio risk reports, utilizing them to identify and seize opportunities for improving credit efficiency.
• Providing ad-hoc credit risk assessments to key stakeholders.
• Developing and executing early warning triggers and playbook to address risk concerns promptly.
• Assisting in product and credit program development, reviewing and estimating risk parameters, product pricing, structure, and ensuring regulatory compliance.
• Collaborating with potential partners to drive business agenda, ensuring optimal risk and profitability economics.
• Managing expectations and discussions with external stakeholders effectively.
• Mentoring and guiding junior risk members in the team.

Qualifications

The Must Haves:

• A Master’s/Bachelor’s degree in a related domain, preferably in Statistics, Mathematics, Economics.
• Minimum of 10 - 12 years of experience in roles such as Credit Underwriting, MIS Reporting, Credit Policy, or Credit Analytics; preferably with managerial experience of at least 2+ year.
• Strong analytical skills with a capacity to collect, organize, and analyze vast amounts of data with meticulous attention to detail.
• Comprehensive understanding of the retail banking customer credit life cycle, including origination and portfolio management; with prior experience in consumer lending (preferably credit cards/ personal loans/ Buy now pay later).
• Self-driven, independent learner with a keen interest in team collaboration.
• Detail-oriented and efficient time manager who thrives in a rapidly changing and dynamic working environment.
• Demonstrated proficiency in verbal and written communication.
• Prior hands-on experience with Python will be a distinct advantage.

Good To Have

• Advanced technical expertise concerning credit risk models, database management, and segmentation techniques.
• High Proficiency level in English.