Bettr is the digital lending business under Ant International, focused on providing inclusive financial services to MSMEs across Southeast Asia. By leveraging innovation-led tech like AI/ML and advanced analytics, we're unlocking growth opportunities for small businesses while ensuring robust, data-driven risk management.
We're now looking for a Credit Risk Manager who brings together credit risk knowledge and strong coding skills to help us build smarter, faster, and more scalable risk models.
Key Responsibilities
- Design and maintain the credit risk management framework (processes & policies) across the customer lifecycle.
- Build and validate credit risk models & scorecards, incorporating AI/ML techniques and alternative data into assessments.
- Conduct regular and ad-hoc portfolio analysis to identify risks, update policies, and improve decision engines.
- Collaborate cross-functionally with product, tech, business, legal, and compliance to deliver embedded lending solutions.
- Meet Thailand regulatory requirements (BOT) and align with Basel and IFRS9 standards.
- Lead and support local risk team members, approvers, and collections experts with data-driven insights.
- Analyze RETAIL & SME market trends, provide recommendations to senior management, and strengthen procedural reviews.
Requirements
- Bachelor's degree or above in Mathematics, Statistics, Data Science, Financial Engineering, or related fields.
- 2-3 years experience in credit risk modeling, data science, or analytics (preferably in a Thai lending/fintech institution).
- Proficient in Python, SQL, R, SAS (coding background is essential).
- Hands-on experience in end-to-end development and validation of risk models.
- Knowledge of BOT, Basel, IFRS9 in relation to models.
- Strong understanding of retail and SME credit products.
- Excellent stakeholder management and communication skills (English required; Chinese a plus).
- Self-driven, analytical, and meticulous in producing clear, high-quality documentation.
