Portfolio Risk Management Director

3 days ago


Kuala Lumpur, Kuala Lumpur, Malaysia Funding Societies | Modalku Group Full time

Funding Societies | Modalku Group is a leading digital financing platform in Southeast Asia, licensed in Singapore, Indonesia, Thailand, and registered in Malaysia. Backed by renowned investors like Sequoia India and Softbank Ventures Asia Corp, we empower small and medium-sized enterprises (SMEs) with business financing that's crowdfunded by individual and institutional investors.

Our Core Values:
  • Serve with Obsession: We build win-win relationships for the long-term, driven by customer obsession.
  • Grow Relentlessly: We strive to become our best selves, always striving for growth.
  • Enable Teamwork, Disable Politics: By forging togetherness, we help each other succeed.
  • Test Measure Act: We stay curious, reinventing ourselves through innovation and experimentation.
  • Focus on Impact: We create impact through bias for action and tangible results.

We're seeking an experienced professional to join our team as the Associate Director, Portfolio Risk. As a key member of our credit management function, you'll oversee the lending portfolio, working closely with cross-functional teams to develop and implement effective risk management strategies that align with our business objectives and regulatory requirements.

Your Responsibilities:
  • Comprehensive Risk Assessment: Conduct thorough assessments of our lending portfolio to identify potential vulnerabilities and opportunities for improvement.
  • Risk Management Tools: Develop and maintain tools to monitor portfolio performance and identify emerging risks.
  • Credit Policy Collaboration: Collaborate with credit teams to improve and maintain credit policies, guidelines, and underwriting standards that align with industry best practices and regulatory requirements.
  • Monitoring and Reporting: Continuously monitor the portfolio's credit quality, delinquency rates, and other key credit risk indicators. Prepare regular reports for senior management and regulatory authorities.
  • 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 be successful 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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