Senior Credit Manager

We are looking for a Senior Credit Manager for our FinTech client - one of the largest SME digital financing platforms in Southeast Asia with presence in Singapore, Indonesia, Malaysia and Thailand, and is crowdfunded by individual and well respected institutional investors.

As a Credit Manager / Senior Credit Manager, you will be responsible for managing the appropriate level of credit risk for the business, working with the team of underwriters and the operation and collection team.

Requirements

What you will do:

• Analyze macro-economic, industry and market data impact on assigned product portfolio.
• Recommend, develop, and implement credit rating models and management processes for SME borrowers and ensure a robust rating and pricing framework
• Balance Credit Risk and Business Risk to make educated and well-informed decisions
• Perform data management and maintenance required to support the needs, integrity and performance of SME credit portfolio management and related risk framework and methodologies, including forward-looking view of the portfolio
• Take special projects from time to time to help in achieving the company's strategic goals.
• Evaluating credit applications using the company's proprietary platform which supplements traditional financial data with third party data
• Demonstrate leadership through modelling it out in actions and thoughts
• Coach and counsel the credit team with a focus on improving credit policy, procedure and other related knowledge and skills
• Play a leading role in setting expectation for ongoing credit policy management, effective and satisfactory periodic policy and related documents review.

What we are looking for:

• Proven experience as Credit Analyst / underwriting more than 5 years, with overall experience of at least 8 years
• SME lending underwriting experience of at least 2 years preferred
• Experience in mainly SME/Commercial/Corporate and/or Micro SME lending product
• Ability to lead others in the team to complete tasks assigned
• Ability to work with across functions within the company to execute plans/projects
• Consistency, maturity and having sound judgement/decision making across work matters
• Able to use professional concepts and company objectives to resolve complex issues in creative and effective ways.
• Able to work on complex issues where analysis of situations or data requires an in-depth evaluation of variable factors.
• Able to exercise judgment in selecting methods, techniques and evaluation criteria for obtaining results.
• Significant contributor to team and overall growth of the company