Senior Credit Risk Manager

Position:

Senior Credit Risk Manager

About Us:

FINN is a fintech company in stealth mode founded in 2022 by experienced serial founders. FINN’s goal is to provide better financial services to South East Asia’s underbanked.

We want to give hard-working people access to an easy-to-use tool that helps them achieve better financial health. We have already launched our first product and are growing rapidly with new markets coming online soon. With ambitious goals and a very positive market response, we welcome you to join our dynamic team.

Website:

https://www.finn-app.com/

Your Role:

• Drive expansion into new markets by designing localized risk models and aligning them with country-specific regulations, product dynamics, and economic conditions.
• Develop and maintain consumer credit risk measurement & management frameworks, models, policies, processes, systems, and infrastructure. Such as rating models, stress testing & expected credit loss models.
• Design and produce reports that provide insights & identify opportunities for business developments, and track vulnerabilities to risk developments.
• Monitor and optimize approval strategies and risk thresholds to support business growth while managing default and fraud risks.
• Design and develop data marts to support the data needs of other teams
• Design and implement consumer credit portfolio reports for senior management
• Identify and report key risk indicators and portfolio trends that should be of concern
• Identify and report areas of potential fraud, implement policies, and set up monitoring
• Mine internal data and supplement them with 3rd party data to generate new insights about the product, customers, and business opportunities

What does your day to day look like?

Risk Analysis

• Monitor key risk metrics (e.g., default rates, approval rates) and investigate significant changes.
• Analyze large datasets to identify trends, anomalies, and areas for improvement in risk management processes.
• Simulate the impact of credit policy or model changes, support A/B tests, and help guide rollouts to improve approval funnel performance.
• Track performance post-implementation and refine strategies using feedback loops and business KPIs.

Model Development & Monitoring

• Develop, test, and deploy risk models in an iterative, agile manner.
• Monitor the performance of risk models, tracking feature stability, accuracy, and drift over time.
• Understand country-specific factors such as onboarding processes, customer limit management, and local alternative data sources.
• Collaborate with internal and external data vendors to evaluate and integrate new data sources.
• Contribute to the setup of early warning signals for portfolio deterioration, using a mix of quantitative and qualitative data.

Your Profile:

• Required:
• At least 5 years of experience in consumer credit risk analysis
• Bachelor's degree in business, finance, economics, actuarial studies, computer science or another relevant field
• Demonstrated proficiency in consumer credit risk assessment and how it relates to other business units (marketing, engineering, finance, and legal)
• Hands-on experience building, testing, deploying, and monitoring credit risk models (e.g., logistic regression, XGBoost, scorecards)
• Good statistical and mathematical skills
• Good working knowledge of SQL and Python
• Strong written and verbal communication skills in English
• Able to communicate complex credit risk concepts clearly to non-technical stakeholders
• Independent, creative, and proactive problem-solving mindset
• Bonus:
• Previous experience in a fintech, neobank, or digital lending environment
• Able to design and deploy data marts and alerts
• Familiarity with credit data sources or regulatory environments in Southeast Asia (e.g., Thailand, Philippines, Indonesia)
• Previous experience with cloud platforms, AWS and GCP
• Experience in the design and automation of credit portfolios or financial reports
• Familiar with model deployment frameworks like Flask/FastAPI or MLflow
• Familiarity with MLOps tooling (e.g., Airflow, dbt, or feature stores)

What we Offer:

• A competitive salary and benefits package
• Flexible work policies: fully remote work or at one of our offices in Singapore or Bangkok
• Boundless opportunity: learn and grow at every stage of your career
• Continuous innovation: redefine the future of financial services