Credit Risk Analyst - SME

About the team:

Job Description:

Requirements:

Monee is a leading digital payments and financial services provider in Southeast Asia with a growing presence in Latin America. Operating under Sea Limited, Monee delivers a range of digital financial products including mobile wallets, payment processing, credit, banking, and insurtech.

• Develop end-to-end credit risk strategies for SME lending products, covering underwriting, credit policy, risk-based pricing, loan size, and tenure.

• Monitor portfolio performance including delinquency, roll rates, and risk indicators; propose risk mitigation and policy adjustments.

• Perform portfolio risk and profitability analysis to refine credit policies and optimize risk-return

• Collaborate with data science, product, business, and operations teams to improve and implement scorecards, underwriting rules, and decision processes.

• Provide risk insights, analysis, and recommendations to stakeholders and senior management.

• Drive credit risk policy enhancements from data analysis to system implementation; design underwriting system flows and participate in decision engine set up and testing.

• Bachelor’s degree or above in Finance, Economics, Math, Statistics, Data Science, Business Analytics, or related fields.

• 2+ years of credit risk experience in digital/direct lending, preferably with exposure to SME lending.

• Self-motivated and detailed oriented team player who is able to multitask in a fast-paced environment with an ownership mindset.

• Proficient in Excel and SQL; Python skills are a plus.

• Strong quantitative analytical skills with keen attention to detail. Experience building automated risk dashboards is preferred

• Experience in fintech / banking / lending and hands-on experience conducting portfolio monitoring, vintage analysis, and risk segmentation is highly preferred.