Portfolio Risk Management Specialist

Roles and Responsibilities

• Establish & maintain credit criteria and underwriting framework to ensure portfolio acquisition quality.
• Monitor portfolio performance (e.g., delinquency, roll rates, NPL, vintage) and identify early warning signals and emerging risks.
• Provide business decision support through segmentation and targeted acquisition analysis by leveraging deep dive data analytics from internal and partnership data.
• Promptly engage with new regulatory announcements, portfolio risk issues to the credit underwriting policy, risk cost calculation, lending operation, and ensure that policies/approaches are revised to be compliant with the regulatory requirements.
• Partnership with cross-functional units to ensure the effectiveness of credit process, fraud risk assessment, credit decision system, data management and analytics tools.
• Initiate process improvement where appropriate.
• Setup and propose Risk Appetite framework.
• Maintain and forecast risk cost to reflect portfolio risk level and support financial planning.
• Manage and design the collection strategy and process.
• Collaborate extensively with stakeholders (Technology, Information Security, Product, Platform, Compliance and Operations teams & etc) during the "build" phase to ensure systems/processes are built with robustness and clear accountability.

Qualifications

• Bachelor's or Master’s degree in MBA, Finance, Statistics, Engineer, Economics, or related fields.
• 2-5 years of experience in credit Risk management in retail banking, preferably within retail banking, consumer finance, or fintech.
• Analytical mindset with excellent critical thinking ability and data analytics skills.
• Proficient in analytical tools and programming tools such as Power BI, Tableau, R, Python, SAS and SQL.
• Good communication skills in both Thai and English.
• Experience in a digital lending or fintech environment is a strong advantage.