Senior Credit Risk Analyst

Malaysia·Kuala LumpurFull-timesenior

Risk AnalystData & AI

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Quick Summary

Key Responsibilities

Portfolio Analytics NPL and delinquency trend analysis (such as DPD bucket flow rates and migration, vintage analysis) to track credit quality Recovery and write-off performance tracking,

Technical Tools

Risk AnalystData & AI

Responsibilities

~1 min read

NPL and delinquency trend analysis (such as DPD bucket flow rates and migration, vintage analysis) to track credit quality
Recovery and write-off performance tracking, including legacy vs. current book splits
Portfolio concentration analysis by borrower, industry, product, and country exposures
ECL/provisioning coverage analysis and explaining what's driving month-on-month movement
Monthly monitoring of key portfolio risk metrics against Risk Appetite Statement (RAS) thresholds, including root-cause analysis of breaches and recommendations for improvement
Applying trend/statistical checks to flag unusual movements early (vs. normal noise)
Maintaining data accuracy and reconciliation across source systems and country teams
Explaining the “why” behind portfolio movements, not just reporting the numbers

Responding to ad hoc data requests from country teams or finance
Working with country credit teams to validate local data and portfolio context
Collaborating with the data science/analytics team on scorecards or risk models
Liaising with collections/recovery teams on NPL resolution status
Supporting fraud-adjacent credit risk flags where cases sit at the fraud/credit boundary

Preparing monthly/quarterly credit risk packs and dashboards
Helping maintain documentation for the credit risk monitoring framework and methodology
Preparing materials for Board Risk Committee (BRC) and senior management reviews

Requirements

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Have a Bachelor's Degree or above in Statistics/Finance/Economics/Engineering/Analytics or similar from a University
At least 6-8 years of experience in credit risk analytics
Familiar with local regulations and data landscape in the ASEAN region
Strong numerical and analytical skills
Advanced working knowledge of MS Excel, including pivot tables and building vintage/cohort analyses
Strong knowledge of SQL and ability to work with large amounts of data; working knowledge of Python is an advantage
Comfortable using AI-assisted tools to support analysis, reporting, and productivity
Strong communication and interpersonal skills
Comfortable working in a fast-paced, evolving environment, navigating ambiguity and shifting priorities

What We Offer

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✓Time off - We would love you to take time off to rest and rejuvenate. We offer flexible paid vacations as well as many other observed holidays by country. We also like to have our people take a day off for special days like birthdays and work anniversaries.

✓Flexible working - We believe in giving back the control of work & life to our people. We trust our people and love to provide the space to accommodate each and everyone's working style and personal life.

✓Medical benefits - We offer health insurance coverage for our employees and dependents. Our people focus on our mission knowing we have their backs for their loved ones too.

✓Mental health and wellness - We understand that our team productivity is directly linked to our mental and physical health. Hence we organize org-wide fitness initiatives and engage partners to provide well-being coaching.

✓Tech support - We provide a company laptop for our employees and the best possible support for the right equipment/tools to enable high productivity