Job Description

HIRING POSITION HEAD OF CREDIT

WORKING CONDITION: HYBRID WORKING (3 DAYS AT OFFICE AND 2 DAYS FROM ANYWHERE)

LOCATION: BANGKOK

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Our client is the largest unified SME digital finance platform in Southeast Asia Licensed in Thailand, Singapore, and Indonesia, registered in Malaysia, and operating in Vietnam, the company provides US$1 billion annually in business financing to small and medium-sized enterprises (SMEs).

Our client is backed by SoftBank Vision Fund 2, SoftBank Ventures Asia, Sequoia Capital India, 500 Tuktuk, Alpha JWC Ventures, SMBC Bank, BRI Ventures, VNG Corporation, Rapyd Ventures, Endeavor, EDBI, SGInnovative, Qualgro, and Golden Gate Ventures, among others.

The company has been recognized with accolades such as Brands for Good (2019, 2023), Global SME Excellence Award, Global SME Finance Awards by IFC (2021-2023), Global Startup Awards (2020), MAS FinTech Award (2016, 2021), and more

Responsibilities :

• Lead team management responsibilities for Credit (including hiring, training, performance management)
• 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)
• 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.)
• Support Collection Lead and team and work closely on delinquent cases
• 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
• Prepare regular updates on the overall portfolio and improvement plans to the respective risk committees
• Lead necessary credit review and control measures, such as site visit and KYC (may require traveling as appropriate), notified payments, and control accounts.
• Liaise with regulators for compliance / regulatory and industry development purposes (thought leadership)

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
• 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.