AVP/VP of Credit

Our client is the largest SME digital financing platform in Southeast Asia, expanding into a leading SME Neobank. We are licensed and registered in Singapore, Indonesia, Thailand, Malaysia, and operating in Vietnam, and backed by Sequoia India, Softbank Vision Fund, and SMBC bank amongst many others. They provide business financing to small and medium-sized enterprises (SMEs), which are funded by individual and institutional investors.

As we pioneer SME digital banking across Southeast Asia, we are looking for a VP of Credit who will be responsible for the 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), working 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 credit underwriting

• Experience in leading credit teams

• 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

• Experience in SME, Trade Finance and Micro lending product

• Project management skills, stakeholder management, communication

Benefits:

• 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