Credit Risk Analyst

This position is a hire for one of the LFX ventures- AIR8 Finance. About AIR8: An LFX digital venture, Air8 is building an insight-based technology platform that capitalizes on Li & Fung's ecosystem with more than 118 years of supply chain experience, connecting suppliers, buyers, and funders in over 50 markets. Air8's goal is to combine supply chain insights with financing expertise and digital technologies to channel capital to vendors. Air8's vision is to promote sustainable financing while bridging the supply chain working capital gap. LFX is a Fung Group company, which focuses on being an incubation, investment, and operating platform providing digital solutions and digitally enabled services across the end-to-end consumer goods supply chain. Job Description: As part of the global risk, credit & compliance team, your primary objective will be to contribute to the risk policy setup, credit underwriting competence development, and data-driven risk innovation to enable business growth. You are expected to have a thorough understanding of the client's profile, supply chain operation, and funding pain points. Additionally, deep knowledge of supply chain financing products, solid risk underwriting skills, and a passion for data-driven risk model innovation are essential to provide high-quality & efficient credit decisions. Key Responsibilities: - Support the establishment of the overall Air8 credit risk management framework and monitor its implementation to ensure risk performance excellence. - Underwrite the risk of international suppliers and buyers, continually improving underwriting quality and efficiency by leveraging tech tools, alternative data, and innovative methodology. - Actively manage credit risk exposure of the designated portfolio by performing risk assessment and monitoring on counterparties, enabling business growth by executing risk mitigation solutions within the company's risk appetite and credit policy. - Engage with external stakeholders, including funding partners and insurers, to gain buy-in on our risk framework for smooth asset distribution. - Deliver quality and monitor risk reporting at the portfolio and country level, and complete ad hoc projects in specific areas or countries. - Collaborate with cross-functional teams. Requirements: - Bachelor's degree in accounting, statistics, math, computer science, finance, or economics, etc. - 7+ years of credit underwriting experience in financial institutions or fintech focusing on SMEs. - Experience in cross-border trade finance, receivable finance, factoring, credit insurance, supply chain solutions, SME coverage, or relevant domain expertise is preferred. - Able to identify, analyze, and solve problems in a very structured way. - Independent, self-driven, mature, resilient, able to handle pressure. - Fast learner, team spirit, adapt to a multi-cultural environment. - Capability of communication in business English.,