Risk Analyst
Risk Analyst
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1-3years
Not Disclosed
Salary Not Disclosed
1 Vacancy
Job Description
Were a dynamic fintech startup on a mission to revolutionize how Gen Z and Millennials in Vietnam experience credit payments and BNPL. Forget clunky processes and outdated apps were building a sleek mobile-first digital credit card and PayLater experience from the ground up. Partnering with a leading bank we combine stability with cutting-edge tech (think cool SaaS platforms our own awesome frontend!) to deliver a product that truly understands the digital generation.
Founded by ex-McKinsey partners and backed by a global VC were on the lookout for the next generation of visionaries are not afraid of challenging the status quo. This is your chance to get in on the ground floor shape a game-changing product work with the latest tech (including AI!) and make a real impact in one of Southeast Asias fastest-growing markets (and beyond). If youre ambitious thrive in a fast-paced startup environment and want to build something amazing keep reading!
Role Overview:
Be our data detective for risk! Support the Risk Lead by analyzing data monitoring trends and helping to manage our credit and fraud risk exposure.
Analyze credit application data to support underwriting decisions and policy refinement.
Monitor portfolio performance identify emerging risk trends (delinquency fraud patterns) and generate regular risk performance reports.
Assist in configuring testing and validating rules within the risk decision engine and fraud monitoring systems.
Investigate suspicious transactions or application alerts flagged by fraud systems.
Perform ad-hoc data analysis to answer specific risk-related questions from leadership or other teams. Utilize AI tools for automating report generation anomaly detection in data or initial pattern analysis.
Understand how to use AI/ML and other tools to rapidly detect risk events (customer account card transaction) and take action (automated & coordinated)
Support to write document policy; models & processes; get buy-in from stakeholders that risk models are optimized and customer-centric
Involve in developing /evolving detailed Circle score model and product restrictions
Test & learn
Requirements
Bachelors degree in a quantitative field (Statistics Economics Finance Mathematics Engineering).
1-3 years of experience in a risk analyst data analyst or credit analyst role preferably in banking or fintech.
Strong analytical and problem-solving skills with high attention to detail.
Proficiency in data manipulation and analysis using Excel and SQL is essential.
Ability to interpret data and present findings clearly.
Eagerness to learn about credit risk fraud prevention and the fintech industry. Willingness to learn and apply AI tools for risk analysis tasks.
Good-to-Have Skills & Experience:
Experience with Python or R for data analysis.
Familiarity with data visualization tools (Tableau Power BI).
Understanding of basic credit scoring concepts or fraud patterns.
Experience working with large datasets.
Experience in the Vietnamese financial services market.
Benefits
- Competitive salary packages
- Stock options
- 5 days workweek (Sat & Sun holiday)
- 20 days annual leave
- Flexible working
- Health and wellness benefits
- Opportunities for professional development
- Creative and collaborative work environment
Why you should work here
At Circle we believe in fostering a culture of innovation and creativity. Working with us means being part of a team that values your ideas and contributions. We offer a dynamic work environment where you can grow your skills and make a real impact.
Employment Type
Full Time
