Portfolio Risk Management Specialist

Overall

The main responsibility is to manage portfolio risk within the acceptable level and meet the company strategy. Support for business direction to evaluate risk and seek for opportunity of lending through deep dive data analytics.

The main responsibility is to manage portfolio risk within the acceptable level and meet the company strategy. Support for business direction to evaluate risk and seek for opportunity of lending through deep dive data analytics.

• Establish & maintain credit criteria and underwriting framework to ensure portfolio acquisition quality.
• Monitor portfolio performance (e.g., delinquency, roll rates, NPL, vintage) and identify early warning signals and emerging risks.
• Provide business decision support through segmentation and targeted acquisition analysis by leveraging deep dive data analytics from internal and partnership data.
• Promptly engage with new regulatory announcement, portfolio risk issues to the credit underwriting policy, risk cost calculation, lending operation, and ensure that policies/approaches are revised to be compliance with the regulatory requirement.
• Partnership with cross functional units to ensure the effectiveness of credit process, fraud risk assessment, credit decision system, data management and analytics tools. Initiate process improvement where appropriate.
• Setup and propose Risk appetized framework. Monitor to ensure the portfolio risk is within the threshold level and expected profitability of portfolio. Ensure that appropriated proactive actions are promptly addressed/taken if necessary.
• Manage and forecast risk cost to reflect portfolio risk level and support for financial planning.
• Work closely with collection team to design the collection strategy and process.
• Collaborate extensively with the stakeholders (Technology, Information Security, Product, Platform, Compliance and Operations teams & etc) during the "build" phase to ensure systems/ processes are built with robustness and clear accountability.

• Bachelor's or Master’s degree in MBA, Finance, Statistics, Engineer, Economics, or related fields.
• 2-5 years experiences in credit Risk management in retail banking, preferably within retail banking, consumer finance, or fintech.
• Analytical mindset with excellent critical thinking ability and data analytics skills.
• Proficient in analytical tools and programming tools such as Power BI, Tableau, R, Python, SAS and SQL
• Good communication skills in both Thai and English.
• Experience in a digital lending or fintech environment is a strong advantage.