Retail Lending Credit Manager

5 months 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.



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