Associate Director of Credit and Risk Management
5 days ago
Funding Societies | Modalku Group is a rapidly growing digital financing platform in Southeast Asia, empowering small and medium-sized enterprises (SMEs) with innovative business financing solutions. With a strong presence in Singapore, Indonesia, Thailand, and Malaysia, we're backed by reputable investors like Sequoia India and Softbank Ventures Asia Corp.
Our Key Objectives:- Drive Growth: We strive to deliver exceptional growth for our SME clients.
- Enhance Customer Experience: We focus on delivering world-class customer service.
- Promote Innovation: We encourage innovation and collaboration across teams.
- Ensure Risk Management: We implement robust risk management strategies to protect our investors and clients.
- Foster a Culture of Excellence: We strive for excellence in every aspect of our business.
We're seeking an experienced professional to join our team as the Associate Director, Portfolio Risk. In this critical role, you'll lead the credit management function, overseeing the lending portfolio and developing effective risk management strategies that align with our business objectives and regulatory requirements.
Your Key Responsibilities:- Lending Portfolio Oversight: Oversee the entire lending portfolio, identifying potential vulnerabilities and opportunities for improvement.
- Risk Management Strategies: Develop and implement risk management strategies that align with our business objectives and regulatory requirements.
- Credit Policy Development: Collaborate with credit teams to develop and maintain credit policies, guidelines, and underwriting standards that align with industry best practices and regulatory requirements.
- Reporting and Analysis: Prepare regular reports for senior management and regulatory authorities, analyzing the portfolio's credit quality, delinquency rates, and other key credit risk indicators.
- Portfolio Optimization: Identify opportunities for portfolio optimization, including risk-adjusted return enhancements and diversification strategies.
- Stress Testing: Design and execute stress tests to evaluate the portfolio's resilience under adverse economic conditions and develop contingency plans.
- Team Leadership: Lead a team of risk professionals, providing guidance, coaching, and fostering a culture of risk awareness and accountability.
- Communication: Communicate risk findings and recommendations to senior management and other stakeholders in a clear and concise manner.
To succeed in this role, you'll need:
- A Bachelor's degree in finance, economics, or a related field.
- A minimum of 10 years of experience in credit or risk management within the financial services or fintech industry.
- Strong knowledge of credit risk and portfolio management.
- Familiarity with Basel requirements and best practices in risk management.
- Proficiency in data analysis and statistical tools.
- Strong leadership and team management abilities.
- Excellent interpersonal, communications, and presentation skills, with the ability to work across different departments.
- Fluent in both written and spoken English.
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