About Siam Validus
Siam Validus is a joint venture company between SCG Distribution Co., Ltd. and an award-winning regional fintech Validus group, the largest SME Financing marketplace in Singapore. We are an SME crowdfunding platform approved by the Securities Exchange Commission Thailand (SEC) that aims to empower SMEs via debt crowdfunding and drive capital flow and investment that is essential for the growth of SMEs and Thai economy.
We invite you to explore opportunities at Siam Validus to see if your qualifications and career aspirations may fit our openings. If you are interested, please send your resume to [Confidential Information].
Head of Risk Management
Job Descriptions:
The Head of Risk Management will report to Chief Executive Officer (CEO) and be responsible for overseeing and implementing a robust risk management framework to support a rapidly growing SME lending portfolio in our crowdfunding platform. This role will lead a team consisting of Credit Underwriting, Collections & Recoveries, and the Bondholder Representative, ensuring the effective assessment, approval, and monitoring of credit risk. The ideal candidate must have hands-on experience in analysing and approving SME credit applications, developing and implementing credit policies, managing collections & recoveries, and establishing strong risk governance practices. This is a critical leadership role requiring a strong understanding of credit scorecards, risk-based pricing, operational risk management, and regulatory compliance to safeguard the company's portfolio while enabling sustainable business growth.
Risk Strategy & Governance
- Develop, implement, and oversee a comprehensive risk management framework covering credit risk, collections & recoveries, operational risk, and compliance.
- Establish and enforce credit risk governance policies, underwriting criteria, and debt management strategies to minimize non-performing loans (NPLs) while maintaining portfolio growth.
- Lead the development and continuous enhancement of credit policies, scorecards, and risk models for SME lending, ensuring they are aligned with business objectives and regulatory requirements.
- Serve as the subject matter expert in operational risk management, ensuring strong risk controls and regulatory compliance.
- risk policies and strategies.
Credit Underwriting & Approval
- Analyse and approve SME credit applications, ensuring sound risk assessments and adherence to company policies.
- Evaluate portfolio performance and optimize risk-based pricing strategies to enhance lending efficiency.
- Implement advanced credit scoring models and surrogate data sources to enhance decision-making through automation and data-driven insights.
Collections & Recoveries Management
- Oversee and drive the collections & recoveries function to ensure efficient delinquency management and debt recovery strategies.
- Implement data-driven collections strategies to improve recovery rates while maintaining borrower relationships.
- Manage escalated cases, legal recovery processes, and negotiations with external debt collection agencies.
- Ensure compliance with debt collection regulations and best practices.
Leadership & Team Management
- Lead and manage the Risk Management team, including Credit Underwriting, Collections & Recoveries, and the Bondholder Representative.
- Establish clear KPIs, performance metrics, and training programs to ensure a high-performing risk team.
- Foster a risk-aware culture within the company, ensuring strong cross-functional collaboration with Investor Relationship, Sales, Finance, Compliance, and Operations teams.
- Regulatory Compliance & Stakeholder Engagement
- Ensure compliance with SEC regulations and other regulatory requirements governing crowdfunding platform.
- Build and maintain strong relationships with key stakeholders, including regulators, credit agencies, legal advisors, and government bodies.
- Act as the main risk liaison for both internal and external stakeholders, providing strategic risk insights to support business decisions.
- Perform any other duties assigned by management.
Qualifications & Requirements
- Master's degree in Business Administration, Economics, Finance, Engineering, Law, or related fields.
- Minimum 10 years of experience in SME or retail risk management, preferably in a fintech, banking, or financial institution environment.
- Strong experience in credit underwriting, including analysing and approving SME credit applications.
- Proven expertise in credit scorecard development, credit policy formulation, and risk governance.
- Hands-on experience in collections & recoveries management, legal recovery processes, and operational risk.
- Good knowledge of debt collection regulations, legal frameworks, and compliance requirements (SEC preferred).
- Experience managing cross-functional risk teams and external risk-related vendors.
- Strong analytical, organizational, and leadership skills, with the ability to work under pressure.
- Excellent written and verbal communication skills in Thai and English.
- Ability to work independently and collaboratively in a fast-paced fintech environment
