Senior Associate, Credit Risk

Grab (Thailand) (Bangkok, Bangkok City, Thailand)

Bangkok, Thailand

Grab is Southeast Asia’s leading superapp, offering a suite of services consisting of deliveries, mobility, financial services, enterprise and others. Grabbers come from all over the world, and we are united by a common mission: to drive Southeast Asia forward by creating economic empowerment for everyone. At Grab, every Grabber is guided by The Grab Way, which explains our mission and the operating principles on how we can achieve it together. We call these principles the 4Hs: Heart We work together as OneGrab to serve communities in Southeast Asia Hunger We work to understand ground truths and drive improvements, big and small Honour We keep our word and steward our resources wisely to build and sustain trust Humility We are a constant work-in-progress, and we never stop learning to get better

Detail posisi

Grab is seeking a Senior Risk Associate to manage consumer portfolios, design risk strategies, automate credit risk decision processes, and conduct risk analytics within its lending business.

Kewajiban

• You will implement the credit risk framework for PAX(Passenger/Users), DAX (Riders) and MEX (Restaurants/Merchants).
• You will review and validate policy performance, uncover insights or identify targeted areas for improvements.
• You will help automate the credit decision process including Credit Decision Engine Deployment project and designing credit decision flow for partnership programs.
• You will support Portfolio forecasting, loss provision and risk budgeting. Including present to leadership team.
• You will work with the leadership team to define credit risk strategy for all lending products.
• You will work with Data Science team to build and test credit, account management and Collection models.
• You will Set credit strategy and policy to improve business growth.
• Improve Collection performance by operational, policy and modeling improvements.
• You will Set credit and account management strategy.

Kualifikasi

• You have experience writing credit memos and credit decision and strategy documentation.
• You have experience in Buy Now Pay Later (BNPL).
• You have experience growing a lending business and hands-on experience in credit strategy.
• You have familiar with Statistical Modeling.
• You have minimum 5 years relevant experience, with focus on retail credit risk.
• You have experience in data query/manipulation using Python/SQL and data visualization.