Financial Risk Management Associate

1 week ago

Petaling Jaya, Selangor, Malaysia Grab Full time

Company Overview

Grab is a leading superapp in Southeast Asia, providing a range of services including food delivery, ride-hailing, and financial services. Our lending business, Grab Financial Services Asia (GFSA), focuses on providing microcredit to under-served communities.

The GFSA team combines talent from our Regional Hub in Singapore with deep local market operators. We aim to build a team with the best mix of business drive, industry expertise, and local market knowledge. The Country Credit team sets and executes credit risk management policies, working closely with the Country Head and Regional Credit Risk team to use data and technology in risk management.

Job Description

We are seeking a Risk Associate who will manage and structure internal and external data, automate credit risk assessment processes, and develop dashboards to monitor portfolio risk performance. You will report to the Head of Lending and work onsite at the Grab Malaysia office.

Critical Tasks

  • Develop and implement an end-to-end credit framework and policies for the Driver and Consumer segments in collaboration with the regional credit team.
  • Manage credit risk operations and create a credit whitelist using alternative data to enhance credit models for the MEX segment.
  • Establish and refine credit models, uncover insights, and collaborate with lending and collections teams to optimize the lending portfolio.
  • Work with external agencies like RAMCI and Experian to improve credit processes and operational efficiency.
  • Monitor credit performance, identify underwriting weaknesses, and adapt to new methods for business growth.
  • Coordinate with cross-functional teams to develop data-driven strategies, credit policies, and collection strategies while minimizing credit loss.
  • Design and implement performance dashboards to provide senior management with actionable insights for decision-making.

Qualifications

We require a Bachelor's degree in Statistics, Mathematics, Economics, Finance, Risk Management, or a relevant background. 5+ years of relevant work experience in credit policy and credit analytics are necessary. You must be able to conceptualize and build credit scoring using non-conventional alternative data. Technical expertise regarding data models, data mining, and segmentation techniques is required. Fluency with SQL, Python, R, or other tools for statistical analysis is essential.

Benefits

  • Term Life Insurance and comprehensive Medical Insurance.
  • With GrabFlex, create a benefits package that suits your needs and aspirations.
  • 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.
  • Confidential Grabber Assistance Programme to guide and uplift you and your loved ones through life's challenges.
  • FlexWork arrangements such as differentiated hours to balance personal commitments and life's demands.

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