Job Description
We’re on a mission to make financial services accessible and effortless for SMEs. As one of Singapore’s latest digital wholesale banks fully regulated by MAS, we’re committed to continuous innovation to bring about simpler, safer and more rewarding financial services. #bringingaboutwhatsnext We're looking for an Assistant Manager, Credit Underwriting to join our Risk team. In this role, you'll design and execute credit strategies that power our digital lending products — balancing growth with responsible risk management You'll work at the intersection of data, technology, and business, leveraging ML-driven models and behavioural insights to make smarter underwriting decisions for consumer and SME credit product Credit Strategy & Underwriting Design Analyze consumer and SME behaviour data within payment/e-commerce platforms to define target customer segments and credit product attributes Identify critical risk indicators across credit risk, fraud, and application abuse through deep analysis of internal and external data sources Design admission policies, credit limits, and pricing structures aligned with risk appetite Risk Framework Development Build comprehensive credit risk management frameworks using data mining, statistical modeling, and machine learning techniques Partner with data science, engineering, and model teams to implement and deploy risk strategies into production systems Develop and refine anti-fraud rules and detection mechanisms Portfolio & Post-Disbursal Management Monitor account behavior and design early warning systems to identify at-risk customers proactively Create dynamic credit limit and pricing adjustment strategies based on customer performance and risk migration Optimize portfolio quality through risk-based pricing and limit management Market & Regulatory Analysis Research target market economic conditions, regulatory requirements, and competitive credit landscapes Assess macro risk trends and their implications for portfolio strategy Cro
