Risk Lead

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 Forget clunky processes and outdated apps were building a sleek mobile-first digital credit card and PayLater experience from the ground up.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 former 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 the architect of our risk brain! Develop and implement the end-to-end risk management strategy for our credit card product balancing growth with responsible lending.

Be the visionary of best-in-class risk practices through alternate data and behavioral segmentation (think what would you do if there was no credit bureau)

Design and oversee the credit underwriting strategy including defining acceptance criteria credit limit assignment and potentially pricing strategies tailored for the Vietnamese market.

Configure test and manage risk rules and decisioning logic within our SaaS risk engine/CMS.

Develop and manage the fraud prevention strategy including transaction monitoring rules authentication methods and fraud response procedures.

Establish portfolio monitoring frameworks track key risk indicators (KRIs) and develop reporting of risk performance for management and our partner bank.

Ensure compliance with relevant risk-related regulations in Vietnam. Explore and implement AI/ML models for credit scoring fraud detection or portfolio analysis working closely with Data Science/AI Engineer.

Understand how to use AI/ML and other tools to rapidly detect risk events (customer account card transaction) and take action (automated & coordinated)

Write document policy; models & processes; get buy-in from stakeholders that risk models are optimized and customer-centric

Develop/evolve detailed Circle score model and product restrictions

Test & learn

Requirements

Significant experience (5 years) in credit risk management specifically in consumer lending or credit cards within a bank or fintech in Vietnam.

Strong understanding of credit underwriting principles scorecard development/implementation and credit policy creation.

Experience with fraud prevention strategies and tools in the digital/card payments space.

Proficiency in data analysis using tools like SQL Python or R for risk assessment and portfolio monitoring.

Experience working with risk decision engines or configuring rules in risk platforms.

Knowledge of relevant Vietnamese banking and lending regulations. Familiarity with AI/ML applications in risk management.

Good-to-Have Skills & Experience:

Experience setting up a risk function or launching a new credit product.

Experience with specific risk management SaaS platforms (e.g. integrated within Openway BPC or standalone solutions).

Experience developing or managing collections strategies.

Advanced degree in a quantitative field (Statistics Economics Finance).

Experience building or validating ML risk models.

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.