About the job Senior Credit Manager
About the Company
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 is funded by individual and institutional investors.
About the Role
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.
Responsibilities
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 companys strategic goals
Evaluating credit applications using FS proprietary platform which supplements traditional financial data with third party data
Demonstrate leadership through modeling 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 expectations for ongoing credit policy management, effective and satisfactory periodic policy and related documents review
Qualifications
Proven experience as Credit Analyst / underwriting more than 3 years, with overall experience of at least 6 years
SME lending underwriting experience of at least 2 years preferred
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 judgment or 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
English Language Skills
Previous experience in startup environment or have experience launching new business is a plus
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
Language Proficiency
Thai (Native or Bilingual Proficiency)
English (Professional Working Proficiency)