VP/Sr VP - Credit

About the Company

Our client is one of the largest SME digital financing platforms in Southeast Asia, expanding into a leading SME Neobank.

About the Role

We are seeking a VP/Sr VP - Credit to oversee day-to-day management of Credit activities, manage our credit portfolio in line with our risk appetite & risk limits, day-to-day team management responsibilities (hiring, training, performance management), work cross-functionally to facilitate and improve Credit & Collections processes, ensure our Credit & Collections processes comply with internal and external policies and regulations.

Responsibilities

• Lead execution of end-to-end credit processes and support collections processes (e.g. review of loan applications, on-going monitoring / review of borrowers, delinquency & default management, site visits, etc.)
• Lead team management responsibilities for Credit (including hiring, training, performance management)
• Support Collection Lead and team and work closely on delinquent cases
• Lead the design, review and implementation of processes in line with credit & collection policies & procedures (working closely with Sales, Operations, Collections, Legal / Compliance and Finance teams)
• Prepare regular updates on the overall portfolio and improvement plans to the respective risk committees
• Work closely with our 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 review and control measures, such as site visit and KYC (may require traveling as appropriate), notified payments, and control accounts

Qualifications

• Bachelors or higher degree in Accounting, Finance, or Economics
• Minimum 8 years experience in Thailand SME or Corporate credit underwriting
• Experience in leading teams of at least 4 members
• Experience with credit scorecards & policies in trade finance and 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
• A confident and enthusiastic attitude that works well in a dynamic and fast paced environment
• Worked in fintech or digital / alternative lending will be an added advantage
• Knowledge in using SAS, SQL, MS Office, Rule engine, preferred

Language Proficiency

• Thai (Native or Bilingual Proficiency)
• English (Professional Working Proficiency)

Benefits

• Fast-paced, exciting workplace with a deep commitment to our mission
• Being part of a high growth and well-funded startup, with room to scale exponentially
• Learning opportunities via exposure to working with our regional teams in Singapore, Malaysia, Indonesia & Vietnam
• Equity stock options
• Time off - We would love you to take time off to rest and rejuvenate. We offer flexible paid vacations as well as many other observed holidays by country. We also like to have our people take a day off for special days like birthdays and work anniversaries
• Flexible work - We believe in giving back control of work & life to our people
• We trust our people and love to provide the space to accommodate each and everyone's working style and personal life
• Medical benefits - We offer health insurance coverage for our employees and dependents. Our people focus on our mission knowing we have their backs for their loved ones too
• Mental health and wellness - We understand that our team productivity is directly linked to our mental and physical health. Hence we have Wellness Wednesdays and we engage partners to provide well-being coaching.
• Tech support - We provide a company laptop for our employees and the best possible support for the right equipment/tools to enable high productivity

Working Conditions

• This is a full-time position based in Phaya Thai area, Bangkok.
• Regular office hours are from 9.00 a.m. to 6.00 p.m., Monday to Friday