Credit Analyst

6 months ago

กรงเทพมหานคร, Thailand Honest Bank Full time

**Credit Analyst**:
Bangkok, or Jakarta
- Work Type: Full Time

**About us**:

- We're a financial services company leveraging cutting-edge technology to provide fintech and financial solutions to the underserved Southeast Asia market. Our team is a diverse and carefully selected group of finance and tech professionals worldwide.

With the successful launch of our first product. Our top-tier international talent, based in Bangkok, continues to innovate and drive forward in our fast-paced and quality-driven environment.

Our journey is marked by continuous learning, growth, and a passion for our work. We remain committed to breaking new ground, adapting, and thriving amidst the challenges and opportunities that lie ahead.

**Responsibilities**:

- Analyzing and assessing the creditworthiness of new and existing customers
- Designing and driving the implementation of credit strategies, policies, standard operating procedures, and guidelines
- Helping to build, test, develop, validate, and monitor comprehensive credit scoring models used to support credit decisions
- Ensure adherence to the laid down policies and procedures for the smooth running of the division
- Giving feedback and recommendation about current practices and policy, whether implementable or having the gaps
- Identify & provide input on potential risks and implement the proposed solutions
- Monitoring accounts (i.e., cash flows, repayments, account behavior, compliance with covenants stipulated in terms of approval) and ensuring that the portfolio is within the acceptable credit & compliance standards
- Do whatever it takes to make Honest succeed

**Outcomes**:

- Credit Risk risk management and underwriting support
- Analyze production models and give continuous feedback to science for controlling risk and driving volume
- Regular portfolio management. We need a simultaneous portfolio review to check modeling effectiveness as part of the back-testing review. It would be best if you prepared regular internal reporting and portfolio analysis, also suggesting corrective actions based on data and statistical metrics
- Policy control. We believe in the system, not the person. To make sure everything is working in the right orbit, we need to maintain an agile credit policy. To support business growth, you must conduct and create a multi-dimensional approach for product, process, and partnership.
- Do whatever it takes to make Honest succeed.
- This means being willing to do end-to-end work, from high-level research and strategizing to executing operations. We like generalists who can do a bit of everything.

**Core Skills Required For This Role**:

- Ex-fintech startups or banks, a combination of both is preferred
- Minimum of 5-6 years experience in credit analysis roles
- Generalist underwriters understand a broad spectrum of lending products
- Exposed to operation, policy, modeling testing, or non-BAU projects
- Understand basic regulations for lending business and be familiar with relevant POJK
- Data analysis experience/data science background a plus

**Desired Competencies**:

- Proficiency in modern statistical software (Python, R, Matlab, etc.)
- Solid knowledge of statistics, distributions, metrics
- Proficiency with complex queries in SQL
- Financial modeling skills are a plus
- A clear understanding of regulatory requirements for credit, income, portfolio

**Previous Experiences Should Show Skills In**:

- Leading and delivering projects outcome oriented within a clear timeframe
- Driven by quantitative/metrics/data-based factors in decision-making
- Cross-team collaboration
- Willingness to learn and develop

**About Working With Us**:

- This position is based in our Bangkok office
- We prefer to collaborate in person and don't offer remote work
- As an international team, English language proficiency is required

**Our Application Process**:

- Hiring is something we do with care. Because of that, we believe that having a transparent and thorough recruitment process is critical. If you liked what you've read and are up for the challenge, here is what to expect after submitting your resume:

- You get invited to an initial call with the hiring team
- Onsite Interviews with relevant team members
- Offer

**Why You'll Love It Here**:

- We're all owners; Everyone at Honest gets ESOP (Employee Stock Option Plan)
- Provident Fund
- Training Course and Book Subsidies
- You'll be working with the most intelligent people in the industry
- A modern office right in the heart of Bangkok
- Top-of-the-line medical healthcare plan
- Monthly Wellness Allowance
- One of the best-funded startups in South East Asia with silicon valley investors
- We don't believe in titles or hierarchy but value contribution & celebrate achievements as a team.

**Honest Hiring**:

- At Honest, we're working hard to build the future of finance for Asia. To do so, we prioritize attracting the best talent worldwide to join us - regardless of their background and heritage.

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