Senior Credit Risk Manager

Position Title: Senior Credit Risk ManagerDepartment: Credit RiskReports to: Global CTOLocation: Remote #APJ #EMEAAbout FINNFINN is a fintech company building simple and transparent products that improve financial well-being for underbanked employees. Our core offering gives people access to wages they have already earned, alongside tools to help them manage money better, build savings, access insurance, earn additional income, and use fairer financial services.Founded in 2022, FINN is the largest player in the early wage access space in Southeast Asia and is expanding rapidly into new markets globally. We are looking for ambitious builders who take ownership, move fast, and want to shape products that create meaningful impact in people’s lives.We’re seeking a Credit Risk Manager to shape our ML-driven underwriting strategy and strengthen our risk decisioning across Southeast Asia. In this role, you’ll combine analytical depth with hands-on model development to drive smarter, fairer decisions. From monitoring portfolio health to designing and deploying robust credit risk models, you’ll help us balance growth with prudent risk management. Working closely with data, engineering, and product teams, you’ll turn insights into business impact and improve approval funnels, refining policies, and expanding access to credit responsibly.Risk AnalysisMonitor key risk metrics (e.g., default rates, approval rates) and investigate significant changes.Analyze large datasets to identify trends, anomalies, and areas for improvement in risk management processes.Simulate the impact of credit policy or model changes, support A/B tests, and help guide rollouts to improve approval funnel performance.Track performance post-implementation and refine strategies using feedback loops and business KPIs.Model Development & MonitoringDevelop, test, and deploy risk models in an iterative, agile manner.Monitor the performance of risk models, tracking feature stability, accuracy, and drift over time.Understand country-specific factors such as onboarding processes, customer limit management, and local alternative data sources.Collaborate with internal and external data vendors to evaluate and integrate new data sources.Contribute to the setup of early warning signals for portfolio deterioration, using a mix of quantitative and qualitative data.RequiredYour Profile:At least 5 years of experience in consumer credit risk analysisBachelor's degree in business, finance, economics, actuarial studies, computer science or another relevant fieldDemonstrated proficiency in consumer credit risk assessment and how it relatesto other business units (marketing, engineering, finance, and legal)Hands-on experience building, testing, deploying, and monitoring credit risk models (e.g., logistic regression, XGBoost, scorecards)Good statistical and mathematical skillsGood working knowledge of SQL and PythonStrong written and verbal communication skills in EnglishAble to communicate complex credit risk concepts clearly to non-technical stakeholdersIndependent, creative, and proactive problem-solving mindsetBonusPrevious experience in a fintech, neobank, or digital lending environmentAble to design and deploy data marts and alertsFamiliarity with credit data sources or regulatory environments in Southeast Asia (e.g., Thailand, Philippines, Indonesia)Previous experience with cloud platforms, AWS and GCPExperience in the design and automation of credit portfolios or financial reportsFamiliar with model deployment frameworks like Flask/FastAPI or MLflowFamiliarity with MLOps tooling (e.g., Airflow, dbt, or feature stores)What We OfferA competitive salary and benefits packageFlexible work policies: fully remote work or at one of our offices in Singapore or BangkokBoundless opportunity: learn and grow at every stage of your careerContinuous innovation: redefine the future of financial servicesWhy Join FINN?Massive Impact: Your models will directly enable financial access for millionsGreenfield Opportunity: Build our ML/risk capabilities from the ground upCutting-Edge Tech: Work with modern ML stack and cloud-native infrastructureRapid Growth: Join at the inflection point with clear path to scaleMission-Driven: Genuine social impact through financial inclusion