Credit Risk Management – Digital Bank Experienced (Team Lead) Malaysia - Kuala Lumpur Risk Mana(...)
Lima, Lima, PE
hace 2 días
source : WHATJOBS

The SeaMoney team enables and drives innovation by providing a range of financial products and services, including its mobile wallet, ShopeePay, to both individuals and SMEs.

Its mission is to better the lives of individuals and businesses in the region with financial services through technology.

SeaMoney is a part of Sea Limited, a leading global consumer internet company. In addition to SeaMoney, Sea’s other core businesses include leading e-commerce platform, Shopee and digital entertainment arm, Garena.

Job Description : Job Description :

Job Description :

Propose and implement credit strategy for retail and SME loan underwriting

Set up model methodology, collect data and build up credit model including scorecards

Propose and implement obligor level credit conditional monitoring and early warning triggers for retail and SME loan

Conduct portfolio monitoring and analysis on concentration risk and asset quality

Set up loan grading and ECL staging criteria of loan portfolio

Prepare and analyse risk reports such as portfolio performance, industry exposure, vendor performance and historical customer trends

Coordinate with Data Analytics team and conduct benchmarking and process analysis where required

Support conceptualisation development for new credit products suitable for retail and SME markets

Credit Collection

Recommend collections policies and strategies that will result in reducing delinquency roll rates and losses

Set up internal restructuring and write-off rules

Analyse collections and operations strategies and tactics, with a view to develop and implement tests designed to improve collections and overall operational effectiveness

Effectively report on and communicate impact of collections strategies, including test results

Collaborate closely with Operations management and teams to implement collections strategies, including process improvements and technology enhancements

Requirements :

Bachelors or above in a quantitative field (e.g. : Statistics, Financial Engineering)

3-8 years of relevant hands-on banking or fin-tech experience, handling credit risk related portfolios

Familiar with BNM regulations on Risk Management Practices and other relevant regulations

Professional qualifications such as CA / ACCA / CPA / FRM would be advantageous

Strong Credit and Trade finance knowledge

Expert knowledge on risk areas, banking products, services and systems

Problem-solving, positive and constructive attitude is a must

Self-motivated and detailed oriented team player who is able to multitask in a fast-paced environment

Knowledge in technology or data analytics

Strong interpersonal and communication skills

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