Assistant Manager, Country Credit Risk

About Grab and Our Workplace

Grab is Southeast Asia's leading superapp. From getting your favourite meals delivered to helping you manage your finances and getting around town hassle-free, we've got your back with everything. In Grab, purpose gives us joy and habits build excellence, while harnessing the power of Technology and AI to deliver the mission of driving Southeast Asia forward by economically empowering everyone, with heart, hunger, honour, and humility.

Get to Know the Team

1. Grab's lending business, Grab Financial Services Asia (GFSA), focuses on providing microcredit to under-served communities. The GFSA team combines talent from its Regional Hub in Singapore with deep local market operators.
2. We aim to build a team with the best mix of business drive, industry expertise, and local market knowledge. The GFSA team handles all aspects of lending, from conceptualization to ongoing management in its focus markets.
3. The Country Credit team sets and executes credit risk management policies, working with the Country Head and Regional Credit Risk team to use data and technology in risk management.

Get to Know the Role

1. We're looking for a Risk Associate who will manage and structure the internal and external data, automate the credit risk assessment processes, and develop dashboards to monitor portfolio risk performance.
2. You will report to Head of Credit Risk.
3. This role is based onsite at the Grab Malaysia office.

The Critical Tasks You Will Perform

1. You will develop and implement an end-to-end credit framework and policies for the Driver and Consumer segments in collaboration with the regional credit team.
2. You will manage credit risk operations and create a credit whitelist using alternative data to enhance credit models for the MEX segment.
3. You will uncover insights from credit models, and collaborate with lending and collections teams to optimize the lending portfolio.
4. You will monitor credit performance, identify underwriting weaknesses, and adapt to new methods for business growth.
5. You will coordinate with cross-functional teams to develop data-driven strategies, credit policies, and collection strategies while minimizing credit loss.
6. You will design and implement performance dashboards to provide senior management with actionable insights for decision-making.

What Essential Skills You Will Need

1. You have a Bachelor's degree in Statistics, Mathematics, Economics, Finance, Risk Management, or a relevant background.
2. You have 5+ years of relevant work experience in credit risk management roles within the financial services or FinTech industry.
3. Excellent analytical thinking, combining technical expertise with strategic insight.
4. You demonstrated strong presentation and stakeholder management skills, with the ability to collaborate across functions.
5. You can conceptualize and build credit scoring using non-conventional alternative data.
6. You have technical expertise regarding data models, data mining, and segmentation techniques.
7. You have basic knowledge using SQL & Python and other tools for statistical analysis.

Life at Grab

We care about your well-being at Grab; here are some of the global benefits we offer:

1. We have your back with Term Life Insurance and comprehensive Medical Insurance.
2. With GrabFlex, create a benefits package that suits your needs and aspirations.
3. Celebrate moments that matter in life with loved ones through Parental and Birthday leave, and give back to your communities through Love-all-Serve-all (LASA) volunteering leave.
4. We have a confidential Grabber Assistance Programme to guide and uplift you and your loved ones through life's challenges.
5. Balancing personal commitments and life's demands are made easier with our FlexWork arrangements such as differentiated hours.

What We Stand For At Grab

We are committed to building an inclusive and equitable workplace that provides equal opportunity for Grabbers to grow and perform at their best. We consider all candidates fairly and equally regardless of nationality, ethnicity, race, religion, age, gender, family commitments, physical and mental impairments or disabilities, and other attributes that make them unique.