Financial Credit Risk

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About Grab and Our Workplace
Grab is Southeast Asia's leading superapp. From getting your favourite meals delivered to helping you manage your finances and getting around town hassle-free, we've got your back with everything. In Grab, purpose gives us joy and habits build excellence, while harnessing the power of Technology and AI to deliver the mission of driving Southeast Asia forward by economically empowering everyone, with heart, hunger, honour, and humility.

Job Description

Get to Know the Team
Grab's lending business (GFSA – Grab Financial Services Asia) focuses on extending micro credit to drivers, agents and merchants. The GFSA team comprises regional experts and local market operators across Southeast Asia. The team will be responsible for end-to-end conceptualisation, development, and ongoing management of all lending activities in its focus markets and segments.

Get to Know the Role
The Financial Credit Risk & Collections Head (Head of Credit Risk & Collections) manages the country's credit portfolio by developing, tracking, and overseeing credit risk management policies, procedures, and underwriting frameworks. You will work with the regional risk team and country operations to ensure risk goals are met. You will have the opportunity to grow professionally as the team embarks on this journey across data integrity, systems, reporting, and compliance. Your role will directly report to the Director, Grab Financial Group & Operations.

The Critical Tasks You Will Perform

• Manage credit quality (target NPL, write-offs) of all portfolios with the Regional Credit Risk Head
• Improve underwriting and customer portfolio management risk policies through analytics and strategies for consumer and SME portfolios
• Drive business agenda with potential partners and evaluate the economics of risk and profitability
• Assist decisions through targeted acquisitions and profitability analysis
• Monitor portfolio risk reports and identify opportunities to enhance credit process efficiency
• Provide regular and ad hoc credit risk evaluation and advisory for regional teams and key stakeholders
• Lead a team of 2-5 credit risk members in consumer and SME to optimize risk and return within GFSA risk appetite
• Understand and implement best lending practices and embed successful acquisition strategies
• Assist product and credit programs, including review and estimation of risk parameters, product pricing, structure, and regulatory requirements
• Help set up the compliance framework and assist with regulatory reporting on an ad hoc basis

Qualifications

• Master's degree or bachelor's degree, preferably in Statistics, Mathematics, or Economics
• 10+ years of relevant experience in credit underwriting, MIS reporting, credit policy, credit analytics, and leading a team of at least 2-3 members for 2+ years
• Expertise in consumer banking credit lifecycle with prior SME lending experience
• Ability to influence related business stakeholders
• Ability to analyze a significant amount of information

Additional Information

Life at Grab

• Term Life Insurance and comprehensive Medical Insurance
• GrabFlex benefits package customization
• Parental and Birthday leave, LASA volunteering leave
• Grabber Assistance Programme for well-being
• Flexible work arrangements with differentiated hours

What We Stand For At Grab

We are committed to an inclusive and equitable workplace that enables diverse Grabbers to grow and perform at their best. As an equal opportunity employer, we consider all candidates fairly and equally regardless of nationality, ethnicity, religion, age, gender identity, sexual orientation, family commitments, or disabilities.

For further information and to apply, please visit our website via the "Apply" button below.