Bangkok, Bangkok, Thailand

VP of Credit - Digital Financing Platform Client

 Job Description:

Our client is the largest SME digital financing platform in Southeast Asia, expanding into a leading SME neobank. They are licensed and registered in Singapore, Indonesia, Thailand, and Malaysia and operate in Vietnam; My client provides business financing to small and medium-sized enterprises (SMEs), which individual and institutional investors fund.

As an AVP/VP of Credit, you will be responsible for:

  • Day-to-day management of Credit and Collections activities.
  • Manage their credit portfolio in line with the risk appetite & risk limits.
  • Daily team management responsibilities (hiring, training, performance management.)
  • Working cross-functionally to facilitate and improve Credit & Collections processes.
  • Ensure the Credit & Collections processes comply with internal and external policies and regulations.

What you will be doing:

  • Lead execution of end-to-end credit and collections processes (e.g., review of loan applications, ongoing monitoring/review of borrowers, delinquency & default management, site visits, etc.)
  • Lead team management responsibilities for Credit and Collections teams (including hiring, training, and performance management.)
  • Lead the design, review, and implementation of processes in line with credit & collection policies & procedures (working closely with Sales, Operations, Legal / Compliance, and Finance teams.)
  • Prepare regular updates on the overall portfolio and improvement plans to the respective risk committees.
  • Work closely with the Product & Data team to develop and refine scoring systems to enable us to make better, faster, and fairer credit & collections decisions.
  • Liaise with regulators for compliance / regulatory and industry development purposes (thought leadership.)
  • Lead necessary credit reviews and control measures, such as site visits and KYC (may require traveling as appropriate), notified payments, and control accounts.

What we are looking for:

  • Bachelor or higher degree in Accounting, Finance, or Economics.
  • Minimum 8 years experience in Thai SME credit underwriting & collections.
  • Experience in leading credit and collections teams.
  • Experience with credit scorecards & policies in both unsecured lending products (good to have: secured lending products.)
  • Good commercial judgment to strike a balance between risk and return.
  • An analytical mindset with a practical approach to problem-solving.
  • Working in fintech or digital/alternative lending will be an added advantage.
  • Knowledge in using SAS, SQL, MS Office, and Rule engine preferred.

What it is in for you:

  • A fast-paced, exciting workplace with a deep commitment to its mission.
  • Being part of a high-growth and well-funded startup with room to scale exponentially.
  • Learning opportunities via exposure to working with their regional teams in Singapore, Malaysia, Indonesia & Vietnam.
  • Equity stock options.

  Required Skills: