Senior Credit Risk Manager

About the Company Fast-growing Earned Wage Access FinTech founded in 2022 $10M ARR with proven product-market fit and explosive growth, VC-funded Operations in Thailand, Philippines, South Africa, and Indonesia, with expansion underway, a 70-person team building the future of financial access for underbanked workers, and a remote-first company A financial technology company founded in 2021, based in Singapore and headquartered in Bangkok, Thailand. The company specializes in providing financial well-being solutions, including earned wage access, financial education, and savings tools, aiming to alleviate financial stress and enhance employees' mental health and performance. The core offering is earned wage access, allowing users to access their earned wages at any time during the month without interest or service fees. The platform also provides financial education resources, a part-time job marketplace, and personal accident coverage through Thaivivat Insurance. About the Role The Credit Risk Manager will shape the ML-driven underwriting strategy and strengthen risk decisioning across Southeast Asia. This role combines analytical depth with hands-on model development to drive smarter, fairer decisions. Responsibilities include monitoring portfolio health, designing and deploying robust credit risk models, and balancing growth with prudent risk management. Working closely with data, engineering, and product teams, this position translates insights into business impact, improves approval funnels, refines policies, and expands access to credit in a responsible manner. Responsibilities Risk Analysis - Monitor key risk metrics (e.g., default rates, approval rates) and investigate significant changes  - Analyze large datasets to identify trends, anomalies, and areas for improvement in risk management processes - Simulate the impact of credit policy or model changes, support A/B tests, and help guide rollouts to improve approval funnel performance - Track performance post-implementation and refine strategies using feedback loops and business KPIs Model Development & Monitoring - Develop, test, and deploy risk models in an iterative, agile manner - Monitor the performance of risk models, tracking feature stability, accuracy, and drift over time - Understand country-specific factors such as onboarding processes, customer limit management, and local alternative data sources - Collaborate with internal and external data vendors to evaluate and integrate new data sources - Contribute to the setup of early warning signals for portfolio deterioration, using a mix of quantitative and qualitative data Qualifications - At least 5 years of experience in consumer credit risk analysis - Bachelor's degree in business, finance, economics, actuarial studies, computer science or another relevant field - Demonstrated proficiency in consumer credit risk assessment and how it relates to other business units (marketing, engineering, finance, and legal) - Hands-on experience building, testing, deploying, and monitoring credit risk models (e.g., logistic regression, XGBoost, scorecards) - Good statistical and mathematical skills - Good working knowledge of SQL and Python - Strong written and verbal communication skills in English - Able to communicate complex credit risk concepts clearly to non-technical stakeholders - Independent, creative, and proactive problem-solving mindset Nice to have: - Previous experience in a fintech, neobank, or digital lending environment - Able to design and deploy data marts and alerts - Familiarity with credit data sources or regulatory environments in Southeast Asia (e.g., Thailand, Philippines, Indonesia) - Previous experience with cloud platforms, AWS and GCP - Experience in the design and automation of credit portfolios or financial reports - Familiar with model deployment frameworks like Flask/FastAPI or MLflow - Familiarity with MLOps tooling (e.g., Airflow, dbt, or feature stores) Language Proficiency - Fluent in English Benefits - A competitive salary and benefits package - Boundless opportunity: learn and grow at every stage of your career - Continuous innovation: redefine the future of financial services Working Conditions - 100% remote