Credit Risk Manager

Company Description

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.

Job Description

Get to Know the Team

At Grab Financial Services Asia (GFSA), our team is responsible for the complete lifecycle of lending activities, from conceptualization to ongoing management in various markets and segments.

The Country Credit Risk & Collections Team works alongside the Regional Credit Risk & Collections team to:

• Implement credit risk management policies and procedures locally.
• Raise and address country-specific nuances and solutions.
• Monitor portfolio performance based on set goals.
• Perform tasks related to credit strategy, portfolio growth, and credit operations.
• Develop country-specific credit risk frameworks and align them with regional strategies.
• Collaborate with the Data Analytics team on credit models and risk methodologies.

Get to Know the Role

As a Credit Risk Manager you will play a crucial part in managing and optimizing the credit risk framework. This includes overseeing data integrity, system reporting, and risk methodologies. This position offers a unique opportunity to grow your career while contributing to Grab's expansion.

It will be an individual contributor role and you'll report directly to the Head of Credit Risk & Collections, PH. This is a hybrid role, where you'll need to travel to our Ortigas office.

The Critical Tasks You Will Perform

• Manage the credit portfolio, focusing on performance and loan loss provisioning.
• Lead the analysis of portfolio data with Python, SQL, and other tools to spot opportunities and risks.
• Coordinate with Country Credit Risk, regional teams, and other relevant departments. Develop and implement country-specific credit frameworks and partnerships.
• Establish performance metrics and provide insights to enhance credit models.
• Monitor credit performance metrics for issues and growth opportunities. Write and update credit risk policies.
• Design reports and dashboards to measure performance.

Qualifications

What Skills You Will Need

• 8+ years in credit analytics, portfolio management, and credit policy, particularly handling unsecured consumer/retail loans and credit cards.
• Data Analysis Proficiency: Expertise in using Python and SQL for data analysis. Knowledge of other tools like R, SPSS, and Matlab will be an advantage. Strong skills in data query/manipulation and visualization using tools like Tableau and Power BI.
• Credit Risk Understanding: Solid grasp of digital lending business dynamics, including credit risk underwriting, portfolio optimization, and loss budget management.
• Analytical Skillset: Ability to collect, organize, and analyze large amounts of data accurately.
• Regulatory Experience: Experience managing regulatory approvals in the SEA region and conducting data mining/segmentation.
• Integrity and Leadership: Shows reliability, accountability, and leadership, with the ability to serve as the deputy for the Head of Credit Risk & Collections, PH.

Additional Information

Life at Grab

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

• We have your back with 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
• We have a confidential Grabber Assistance Programme to guide and uplift you and your loved ones through life's challenges.

What We Stand For at Grab

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