Vice President (Risk and Compliance)
Job Description
- Manage the implementation of all aspects of the risk and compliance function, including:
- Processes, tools, and systems to identify, assess, and report risks for a rapidly growing portfolio of loans.
- Development of credit administration, debt management and risk mitigation processes.
- Management of compliance and regulatory assessments, ensuring industry standards are met and overseeing documentation of security, data audit, and fraud control.
- Evaluation of portfolio performance, design, test and launch loan products that are optimised for market in coordination with technology departments.
- Coordinate with Singapore HQ to understand the risk algorithm for various products and evaluate as per Thailand context.
- Identify new surrogate data sources which can create innovative risk algorithms which can lead to machine learning, and easily implemented risk-based pricing and evaluation models - straight through processing without the need for manual intervention.
- Manage in-house credit evaluation function (risk algorithm and credit scoring model), underwriting of loans, and collections, developing key metrics and KPIs for the team.
- Build relationships with credit related third parties (credit agencies, government regulatory bodies, and associations.
- Evaluate key credit & business risks, and provide recommendations for credit and collections strategy.
Qualifications
- Master's degree in Business Administration, Economics, Engineering, Law or other related fields.
- More than 10 years of risk management and compliance experience in financial institutions.
- Minimum 10 years experience in SME or Retail Risk management is preferred.
- Good knowledge and understanding of operational risk is a plus.
- Hands on experience in compliance work (SEC is preferred).
- Proven organizational, interpersonal and analytical skills.
- Ability to work independently and collaboratively with the team.
- Ability to work on various tasks at any given time with the ability to prioritize.
- Strong written communication both Thai and English.
Desired Skills and Experience
Skills
-Credit Risk Management & Portfolio Analytics
-Risk-Based Pricing & Credit Scoring Models
-Regulatory Compliance & SEC Requirements
-Risk Algorithms & Machine Learning Concepts
-SME & Retail Lending Risk
-Underwriting & Collections Strategy
-Operational Risk Management
-Data-Driven Decision Making
-Stakeholder & Regulator Management
-Cross-Border / HQ Coordination
Experience
-Lead enterprise-wide risk and compliance strategy for loan portfolios
-Designed and governed credit risk algorithms and scoring models
-Oversaw regulatory compliance, audits, fraud, and data security
-Partnered with technology teams to launch optimized loan products
-Adapted HQ risk frameworks to Thailand regulatory and market context
-Managed credit evaluation, underwriting, and collections teams
-Built relationships with credit bureaus and regulatory authorities
