Head, Credit Risk and Collections

Get to Know the Team

Grabs lending business (GFSA Grab Financial Services Asia) refers to Grabs array of product and service offerings focused on extension of micro credit to drivers agents and merchants in Grabs ecosystem. The GFSA team is composed of regional experts and deep local market operators across Southeast Asia. We are looking to put together the best team that is characterized by business acumen industry expertise and local market depth. The team will be responsible for end-to-end conceptualisation and development and ongoing management of all lending activities in its focus markets and segments.

Get to Know the Role

The Head of Credit Risk & Collections manages the countrys credit portfolio by developing tracking and overseeing credit risk management policies procedures and underwriting frameworks. You will work with the regional risk team and country operations to ensure risk goals are met. You chosen for this role will have the unique opportunity to grow professionally as the team embarks on this journey throughout the credit risk framework from data integrity to systems reporting and compliance.

Your role will directly report to the Director Deliveries Lending & Strategy. You will be based onsite at our Ortigas office with flexible work arrangements.

The Critical Tasks You Will Perform

• You will manage credit quality (target NPL write-offs) of all portfolios with the Regional Credit Risk Head
• You will improve underwriting and customer portfolio management risk policies through use of analytics and strategies for consumer and SME portfolios
• You will drive business agenda with potential partners and evaluate the right economics of risk and profitability
• You will assist decisions through targeted acquisitions and profitability analysis
• You will always monitor portfolio risk reports and use the reports to identify potential opportunities to enhance efficiency of credit processes
• You will provide regular & ad hoc credit risk evaluation and advisory for regional teams and key stakeholders
• You will lead a team of 2-5 credit risk members in consumer and SME to ensure risk and return profile is optimized and is within the GFSA risk appetite thresholds
• You will understand and implement the best lending practices and embed successful acquisition strategies
• You will assist product and credit programs including the review and estimation of risk parameters product pricing product structure and regulatory requirements
• You will help set up of the compliance framework and help with regulatory reporting on an ad hoc basis.

Qualifications :

What Essential Skills You Will Need

• You have a masters degree/bachelors degree preferably in Statistics Mathematics or Economics
• You have a minimum 8 years relevant work experience in credit underwriting MIS reporting credit policy credit analytics and leading a team of at least 2-3 members for 2 years
• You have expertise in consumer banking customers credit life cycle and with prior experience in SME lending
• You have developed capacity to influence related business stakeholders
• You can analyze a significant amount of information

Additional Information :

Life at Grab

We care about your well-being at Grab here are some of the global benefits we offer:

• We have your back with Term Life Insurance and comprehensive Medical Insurance.
• With GrabFlex create a benefits package that suits your needs and aspirations.
• Celebrate moments that matter in life with loved ones through Parental and Birthday leave and give back to your communities through Love-all-Serve-all (LASA) volunteering leave
• We have a confidential Grabber Assistance Programme to guide and uplift you and your loved ones through lifes challenges.
• Balancing personal commitments and lifes demands are made easier with our FlexWork arrangements such as differentiated hours

What We Stand For at Grab

We are committed to building an inclusive and equitable workplace that enables diverse Grabbers to grow and perform at their best. As an equal opportunity employer we consider all candidates fairly and equally regardless of nationality ethnicity religion age gender identity sexual orientation family commitments physical and mental impairments or disabilities and other attributes that make them unique.

Remote Work :

No

Employment Type :

Full-time