Our client is the largest SME digital financing platform in Southeast Asia, expanding into a leading SME neobank. They are licensed and registered in Singapore, Indonesia, Thailand, and Malaysia and operate in Vietnam; My client provides business financing to small and medium-sized enterprises (SMEs), which individual and institutional investors fund.

As an AVP/VP of Credit, you will be responsible for:

• Day-to-day management of Credit and Collections activities.
• Manage their credit portfolio in line with the risk appetite & risk limits.
• Daily team management responsibilities (hiring, training, performance management.)
• Working cross-functionally to facilitate and improve Credit & Collections processes.
• Ensure the Credit & Collections processes comply with internal and external policies and regulations.

What you will be doing:

• Lead execution of end-to-end credit and collections processes (e.g., review of loan applications, ongoing monitoring/review of borrowers, delinquency & default management, site visits, etc.)
• Lead team management responsibilities for Credit and Collections teams (including hiring, training, and performance management.)
• Lead the design, review, and implementation of processes in line with credit & collection policies & procedures (working closely with Sales, Operations, Legal / Compliance, and Finance teams.)
• Prepare regular updates on the overall portfolio and improvement plans to the respective risk committees.
• Work closely with the Product & Data team to develop and refine scoring systems to enable us to make better, faster, and fairer credit & collections decisions.
• Liaise with regulators for compliance / regulatory and industry development purposes (thought leadership.)
• Lead necessary credit reviews and control measures, such as site visits and KYC (may require traveling as appropriate), notified payments, and control accounts.

What we are looking for:

• Bachelor or higher degree in Accounting, Finance, or Economics.
• Minimum 8 years experience in Thai SME credit underwriting & collections.
• Experience in leading credit and collections teams.
• Experience with credit scorecards & policies in both unsecured lending products (good to have: secured lending products.)
• Good commercial judgment to strike a balance between risk and return.
• An analytical mindset with a practical approach to problem-solving.
• Working in fintech or digital/alternative lending will be an added advantage.
• Knowledge in using SAS, SQL, MS Office, and Rule engine preferred.

What it is in for you:

• A fast-paced, exciting workplace with a deep commitment to its mission.
• Being part of a high-growth and well-funded startup with room to scale exponentially.
• Learning opportunities via exposure to working with their regional teams in Singapore, Malaysia, Indonesia & Vietnam.
• Equity stock options.