Kerja Sepenuh Masa, Credit Risk Analyst - SME di Monee - Maukerja

About The Team

Monee is a leading digital payments and financial services provider in Southeast Asia with a growing presence in Latin America. Operating under Sea Limited, Monee delivers a range of digital financial products including mobile wallets, payment processing, credit, banking, and insurtech.

Job Description

• Develop end-to-end credit risk strategies for SME lending products, covering underwriting, credit policy, risk-based pricing, loan size, and tenure.
• Monitor portfolio performance including delinquency, roll rates, and risk indicators; propose risk mitigation and policy adjustments.
• Perform portfolio risk and profitability analysis to refine credit policies and optimize risk-return
• Collaborate with data science, product, business, and operations teams to improve and implement scorecards, underwriting rules, and decision processes.
• Provide risk insights, analysis, and recommendations to stakeholders and senior management.
• Drive credit risk policy enhancements from data analysis to system implementation; design underwriting system flows and participate in decision engine set up and testing.
  
  

Requirements

• Bachelor’s degree or above in Finance, Economics, Math, Statistics, Data Science, Business Analytics, or related fields.
• 2+ years of credit risk experience in digital/direct lending, preferably with exposure to SME lending.
• Self-motivated and detailed oriented team player who is able to multitask in a fast-paced environment with an ownership mindset.
• Proficient in Excel and SQL; Python skills are a plus.
• Strong quantitative analytical skills with keen attention to detail. Experience building automated risk dashboards is preferred
• Experience in fintech / banking / lending and hands-on experience conducting portfolio monitoring, vintage analysis, and risk segmentation is highly preferred.