Senior Manager, Portfolio Risk

Funding Societies | Modalku is the largest SME digital finance platform in Southeast Asia. We are licensed and operating  in Singapore, Indonesia, Thailand, Malaysia and Vietnam, and backed by Sequoia India (Peak XV), Softbank Vision Fund, Khazanah and SMBC bank amongst many others. Funding Societies | Modalku provides business financing to small and medium-sized enterprises (SMEs), which is funded by individual and institutional investors, as well as payments solutions to SMEs and consumers.
Here at Funding Societies | Modalku we live by our core values GETFS:

• Serve with Obsession: Build win-win relationships for the long-term by having a customer obsession.
• Grow Relentlessly: Strive to become our best, most authentic selves.
• Enable Teamwork, Disable Politics: Only by forging togetherness, we help each other succeed.
• Test Measure Act: Stay curious and reinvent ourselves, through innovation and experimentation.
• Focus on Impact: Create impact through bias for action and tangible results.

We are seeking a highly experienced and knowledgeable professional to join our team as the Senior Manager, Portfolio Risk. As a Portfolio Risk Manager, you will be responsible for overseeing the credit management function of our lending portfolio. You will work closely with cross-functional teams, including credit analysts, underwriters, and senior management, to develop and implement effective risk management strategies that align with our business objectives and regulatory requirements.

What you will do:

• Provide a bullet point list of the responsibilities and duties of this job.
• Portfolio Risk Assessment: Conduct comprehensive risk assessments of our lending portfolio to identify potential vulnerabilities and opportunities for improvement.
• Risk Management: Develop and maintain risk tools to monitor portfolio performance and identify emerging risks.
• Credit Policy Collaboration: Collaborate with the credit teams to improve maintain credit policies, guidelines, and underwriting standards that align with industry best practices and regulatory requirements.
• Monitoring and Reporting: Continuously monitor the portfolio's credit quality, delinquency rates, and other key credit risk indicators. Prepare regular reports for senior management and regulatory authorities.
• Portfolio Optimization: Identify opportunities for portfolio optimization, including risk-adjusted return enhancements and diversification strategies.
• Stress Testing: Design and execute stress tests to evaluate the portfolio's resilience under adverse economic conditions and develop contingency plans.
• Team Leadership: Lead a team of risk professionals, providing guidance, coaching, and fostering a culture of risk awareness and accountability.
• Communication: Communicate risk findings and recommendations to senior management and other stakeholders in a clear and concise manner.

What we are looking for:

• Bachelor's degree in finance, economics, or a related field.
• A minimum of 10 years of experience in credit or risk management within the financial services or fintech industry.
• Strong knowledge on credit risk and portfolio management.
• Familiarity with Basel requirements and best practices in risk management.
• Proficiency in data analysis and statistical tools.
• Strong leadership and team management abilities.
• Excellent interpersonal, communications and presentation skills with ability to work across different departments
• Fluent in both written and spoken English.
•  Candidate needs to have hands-on experience in new product processes.

Other Benefits:

• 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

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