Retail Lending Credit Manager

4 weeks ago


กรงเทพมหานคร, Thailand Honest Bank Full time

**Retail Lending Credit Manager**:
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**
- Design and review credit policies from a risk-return perspective for credit cards, auto loans, personal finance
- Devise portfolio management strategies (from acquisition through performance until collections)
- Helping to build, test, develop, validate, and monitor comprehensive credit, income, and line optimization models for credit decisions
- Could you ensure the policies and procedures for the smooth running of the division?
- Giving feedback and recommendation about current procedures and policy, whether implementable or having the gaps
- Identify and provide feedback 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 policy 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**
- Minimum of 5-6 years experience in credit analysis roles
- Knowledgeable of credit bureau data, banking transactional data
- Generalist underwriters understand a broad spectrum of lending products
- Ex-fintech startups or banks, a combination of both is preferred
- Exposed to operation, policy, modeling testing, or non-BAU projects
- Understand basic regulations for lending business and be familiar with relevant POJK
- Data analysis/science experience and statistical understanding are both a plu

**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 experience 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

**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 and celebrate achievements as a team.


  • Corporate Lending

    1 month ago


    กรุงเทพมหานคร, Thailand ธนาคารเกียรตินาคินภัทร จำกัด Full time

    Investment Banking & Capital Markets**Corporate Lending**: - Date: 31 Jan 2024- Location: Bangkok, Thailand- Company: Kiatnakin Phatra Bank Public Company Limited**Job Summary**: - Lead team to originate and seek credit approval for new lending products including but not limited to working capital. - Risk participation, term loan, project finance, loan...


  • กรุงเทพมหานคร, Thailand Krungthai Bank PCL. Full time

    วิเคราะห์และพัฒนาแบบจำลองการบริหารความเสี่ยงด้านสินเชื่อต่างๆ ทั้ง Retail Credit & Non Retail Credit Model...

  • Vp Credit

    4 weeks ago


    กรุงเทพมหานคร, Thailand Ancor Full time

    We are working with a leading digital financing platform in Southeast Asia for a **VP- Credit** position **As a VP Credit, you will be responsible for**: - Day-to-day management of Credit and Collections activities - Manage our credit portfolio in line with our risk appetite & risk limits - Day-to-day team management responsibilities (hiring, training,...

  • Senior Credit Manager

    4 weeks ago


    กรุงเทพมหานคร, Thailand Ancor Full time

    We are working with a leading digital financing platform in Southeast Asia for a **Senior Credit Manager** position. Our ideal teammate has experience with SME lending, and loves problem solving with numbers. **What you will do**: - Working closely with Relationship Managers & Business Development Managers to evaluate potential borrowers - Leading and...


  • กรุงเทพมหานคร, Thailand ธนาคารเกียรตินาคินภัทร จำกัด Full time

    Risk Management**Retail Credit Risk Model**: - Date: 4 Feb 2024- Location: Bangkok, Thailand- Company: Kiatnakin Phatra Bank Public Company Limited**Job Summary**: The role is responsible for development and monitoring credit risk analytics (MIS), across model life cycle, to support risk management function regulatory and business strategy of the...


  • กรุงเทพมหานคร, Thailand PRTR Full time

    PRTR is helping clients hire the Head of Business Development for the Retail sector to help expand their customers in Lona, SBL, and Blocktrade. Our client is a securities business supporting funds to securities on an SME scale. **Retail Business Strategy and Development** - Developing and implementing comprehensive retail development strategies aimed at...

  • Credit Analyst

    2 weeks ago


    กรุงเทพมหานคร, Thailand บริษัท พีทีอาร์ รีลีฟ จำกัด Full time

    CREDIT ANALYST ( MANAGER ) **จังหวัด** กรุงเทพมหานคร (เขตยานนาวา) **อัตราค่าจ้าง** negotiation **รูปแบบงาน** งานประจำ (Full Time) **อัตรา** 1 **รายละเอียดงาน** - Analyze the credibility of customers...


  • กรุงเทพมหานคร, Thailand Ascend Group Full time

    **Description** - Think big and then execute at a granular level! - Own & manage all product life-cycles on our products and services from product roadmaps, product processes, create and write user stories, design user journeys, manage acceptance criteria, etc. - Work with our stakeholder and other team members to take a vision and break it down into user...

  • Lending

    4 weeks ago


    สาทร, กรุงเทพมหานคร, Thailand Reeracoen Thailand Full time

    **Industry**: Agriculture, Other - ** Job Description**: - Develop market understanding through market research, analysis of our merchant profile and competitive landscapes. - Develop business strategy and identify potential strategic partnership which suits SME merchants. - Develop new lending products and launching to our merchant base. - Work with...


  • คลองเตย, กรุงเทพมหานคร, Thailand United Overseas Bank (Thai) PCL - UOB Full time

    Experience in Retail Banking Product Management. Strong knowledge in Product Management. Well communication in English. Position; AVP, Ready Credit Product Manager. **Job Scope & Description**: Drive Ready Credit & Cash Plus initiatives and build sustainable and healthy Portfolio for future business growth. Support Migration Project to ensure smooth...


  • กรุงเทพมหานคร, Thailand Funding Societies Full time

    **Description**: Funding Societies | Modalku is the largest SME digital financing platform in Southeast Asia. We are licensed in Singapore, Indonesia, Thailand, and registered in Malaysia. We are backed by Sequoia India and Softbank Ventures Asia Corp amongst many others and provides business financing to small and medium-sized enterprises (SMEs), which is...


  • กรุงเทพมหานคร, Thailand Funding Societies | Modalku Group Full time

    Funding Societies | Modalku is the largest SME digital financing platform in Southeast Asia. We are licensed in Singapore, Indonesia, Thailand, and registered in Malaysia. We are backed by Sequoia India and Softbank Ventures Asia Corp amongst many others and provides business financing to small and medium-sized enterprises (SMEs), which is crowdfunded by...

  • Citi Commercial Bank

    2 weeks ago


    กรุงเทพมหานคร, Thailand Citibank, N.A. Thailand Full time

    Citi provides programs and services for your physical and mental well-being including access to telehealth options, health advocates, confidential counseling and more. Coverage varies by country. We believe all parents deserve time to adjust to parenthood and bond with the newest members of their families. That's why in early 2020 we began rolling out our...

  • Citi Commercial Bank

    4 weeks ago


    กรุงเทพมหานคร, Thailand Citibank, N.A. Thailand Full time

    Citi provides programs and services for your physical and mental well-being including access to telehealth options, health advocates, confidential counseling and more. Coverage varies by country. We believe all parents deserve time to adjust to parenthood and bond with the newest members of their families. That's why in early 2020 we began rolling out our...


  • กรุงเทพมหานคร, Thailand ธนาคารไทยพาณิชย์ Full time

    สมัครโปรดคลิกที่ปุ่ม "Apply" **Job Description**: - Work with corporate banking relationship manager (RM) to perform credit analysis on Chinese corporates. - Conduct in-depth industry study & analysis and recommend the appropriate financial products & services. - Understand and assess borrowers' business needs, risks...


  • กรุงเทพมหานคร, Thailand Grab Full time

    Understand and serve the financial needs of our partners (driver/merchant) and users - bringing the best-in-class product through our digital platform. Design and execute the end-to-end lending process - be able to think outside the box to overcome any obstacles or limitations. Initiate ideas for better product adoption rate - create product awareness and...

  • Credit Analyst

    2 weeks ago


    วัฒนา, กรุงเทพมหานคร, Thailand United Overseas Bank (Thai) PCL - UOB Full time

    Conduct credit analysis to determine the degree of risk and credit worthiness involved in lending and / or extending credit. Determining advisability of granting credit for diversified types of loans. Also, guide and coach junior analysts in conducting credit proposal and risk analysis. People s Management. Involve in product enhancements or other projects...


  • กรุงเทพมหานคร, Thailand Grab Full time

    **Job Description**: **Life at Grab** At Grab, every Grabber is guided by The Grab Way, which spells out our mission, how we believe we can achieve it, and our operating principles - the 4Hs: Heart, Hunger, Honour and Humility. These principles guide and help us make decisions as we work to create economic empowerment for the people of Southeast...


  • กรุงเทพมหานคร, Thailand UOB (Thai) Public Company Limited Full time

    **About UOB**: United Overseas Bank Limited (UOB) is a leading bank in Asia with a global network of more than 500 branches and offices in 19 countries and territories in Asia Pacific, Europe and North America. In Asia, we operate through our head office in Singapore and banking subsidiaries in China, Indonesia, Malaysia and Thailand, as well as branches and...


  • กรุงเทพมหานคร, Thailand Lazada (Thailand) Co., Ltd. Full time

    **Team and Role Introduction**: Lead and implement credit strategy for retail product including BNPL/Cash Loan and SME product for one or multiple markets and take ownership of portfolio risk performance Conduct risk assessment on user profile. Monitor and analyze risk indicators to finetune underwriting and portfolio management policy Prepare and analyze...