Job Title: Credit Risk Policy & Portfolio Analyst

Job Scope & Responsibilities: Credit Risk Policy & Portfolio Analysis

• Develop, refine, and implement credit policies across the credit card lifecycle (acquisition, credit line management, loan review, etc.).

• Ensure credit strategies align with regulatory guidelines, internal risk appetite, and business goals.

• Partner with internal functions, e.g. Product, Underwriting, and Collections teams for policy implementation, i.e. to translate policy into automated decision rules.

• Conduct deep-dive analysis and monitor credit performance of newly acquired accounts, focusing on first-year default cases. Investigate root causes and recommend improvements to the credit process.

• Revise underwriting standards to maintain default rates within acceptable levels. Trigger mitigation actions when vintage performance reaches critical thresholds and coordinate with relevant stakeholders.

• Analyze and identify opportunities in selective customer segments with acceptable risk levels. Develop underwriting standards aligned with strategic business initiatives.

• Regularly provide comprehensive and high-quality portfolio risk measurement, analysis and reporting to Senior Managements / Committees within timelines to take the right strategic decisions.

• Continuously enhance reporting capabilities by identifying new dimensions and metrics for monitoring.

• Support system implementation, testing, and monitoring of policy changes. Plan and manage risk related change requests on new policy changes or other credit initiatives. Organize UAT, coordinate with cross-functional teams and ensure the testing results are given as expected.

Qualifications:

• Bachelor’s or Master’s degree in Finance, Banking, Economics, Business Administration, Engineering, Statistics, or related fields.

• Minimum of 5 years of experience in retail credit policy, portfolio monitoring, or retail risk management.

• Strong proficiency in data tools such as Excel, SAS Enterprise Guide, Power BI, SQL.

• Experience with national credit bureau data (e.g., TransUnion, Experian) and internal scorecards is a plus.

• Demonstrated analytical thinking and problem-solving skills.

• Excellent communication skills in English, both written and verbal.

• Self-motivated, capable of multitasking, and a fast, independent learner.