Responsibilities
A. Early Performance Indicator Monitoring
- Monitor early contract-month indicators such as:
- First Payment Default (FPD)
- Second Payment Default (SPD)
- Third Payment Default (TPD)
- Early vintage indicators
- Perform cross-segmentation analysis by income, occupation, product, channel, and other key dimensions
- Detect abnormalities in newly approved accounts
- Escalate potential issues and propose corrective actions
B. Application-In Status Monitoring
- Track monthly application funnel metrics:
- Approve
- Reject
- Cancel
- Pending
- Sub-status per each funnel
- Analyze these indicators by acquisition channels
- Identify rationales behind abnormal patterns such as sudden shifts in approval rate, rejection rate, or cancellation behavior
- Provide early warning signals to management
C. Credit Policy Strengthening & Relaxation
- Design and implement credit policy adjustments based on:
- Early to Long term risk indicators
- Business direction
- Portfolio performance
- Propose segmentation-based policy actions (e.g., by income, occupation, geography, customer type,
- and etc.)
- Simulate policy impact before implementation
- Monitor post-change performance and fine-tune rules
D. Credit Underwriting Review & Governance
- Review and update underwriting criteria on a regular basis
- Ensure that credit policies remain aligned with:
- Bank of Thailand (BOT) regulations
- National Credit Bureau (NCB) guidelines
- Internal risk appetite
- Maintain proper documentation of policy logic and changes
E. R-CLIPS (Rule-Based System) Management
- Manage credit policy rules via the R-CLIPS (solution-based) system
- Perform rule changes and configuration updates
- Conduct impact analysis before implementation
- Submit changes to Team Head for review and final approval
F. NCB Data Utilization
- Utilize NCB data and Credit Review products effectively
- Design new variables based on NCB insights
- Interpret NCB data in a business-relevant way
- Ensure proper governance and data usage logic
G. Internal Blacklist Management
- Maintain and enhance internal blacklist criteria
- Understand the end-to-end blacklist logic
- Propose improvements based on emerging fraud or risk patterns
- Coordinate with IT for system enhancement when required
H. Pilot Test / Promotional Campaign Design & Monitoring
- Design pilot test frameworks when requested by Marketing or Business
- Identify appropriate target and control segments
- Create monitoring templates to compare pilot vs. closest comparable segments
- Evaluate pilot effectiveness and propose next actions
I. IT Development Support
- Support IT projects such as:
- Mobile applications
- Web platforms
- Digital onboarding flows
- Define credit screening logic and required risk checkpoints
- Participate in UAT and logic validation
J. Possible Fraud Detection
- Develop early fraud detection logic using:
- Historical data
- Early delinquency patterns
- Statistical anomaly detection
- Generate possible fraud lists
- Coordinate with Collection, Marketing, and Risk teams
- Propose preventive measures
K. Loan Review Framework
- Prepare rational and defendable loan review lists
Support:
- Credit limit reduction
- Top-up eligibility
- Exposure restructuring
- Focus especially on Revolving Loan portfolios
- Ensure fairness, consistency, and risk alignment
L. Managerial & Leadership Responsibilities
- Supervise Assistant Managers, Senior Officers, and Officers
- Review analytical outputs and policy logic
- Translate complex analysis into management-friendly insights
- Support Team Head with reports, presentations, and executive materials
Qualifications
- Bachelor's or Master's degree in Finance, Economics, Statistics, Mathematics, Data Science, Engineering, or related fields
- Minimum 35 years of experience in financial institutions with career of: Credit planning/ Credit policy / Underwriting Criteria setting/ Portfolio monitoring
- Prior experience managing or mentoring junior staff is preferred
Strong understanding of:
- Credit lifecycle
- Underwriting logic
- Portfolio monitoring
- Risk indicators
- Analysis / monitoring framework
Familiarity with:
- Excel (advanced)
- SQL (preferred)
- Power BI / Tableau
- Rule-based systems (nice to have)
Regulatory & Business Acumen
- Understanding of BOT and NCB requirements
- Ability to balance growth and risk
- Strong business intuition
