Senior Credit Risk Manager

Position Title: Senior Credit Risk Manager
Department: Credit Risk
Reports to: Global CTO
Location: Remote #APJ #EMEA

About FINN

FINN 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 Analysis

• Monitor 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 & Monitoring

• Develop, 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.

Your Profile:

Required:

• At least 5 years of experience in consumer credit risk analysis
• Bachelor's degree in business, finance, economics, actuarial studies, computer science or another relevant field
• Demonstrated 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 skills
• Good working knowledge of SQL and Python
• Strong written and verbal communication skills in English
• Able to communicate complex credit risk concepts clearly to non-technical stakeholders
• Independent, creative, and proactive problem-solving mindset

Bonus:

• Previous experience in a fintech, neobank, or digital lending environment
• Able to design and deploy data marts and alerts
• Familiarity with credit data sources or regulatory environments in Southeast Asia (e.g., Thailand, Philippines, Indonesia)
• Previous experience with cloud platforms, AWS and GCP
• Experience in the design and automation of credit portfolios or financial reports
• Familiar with model deployment frameworks like Flask/FastAPI or MLflow
• Familiarity with MLOps tooling (e.g., Airflow, dbt, or feature stores)

What we Offer:

• A competitive salary and benefits package
• Flexible work policies: fully remote work or at one of our offices in Singapore or Bangkok
• Boundless opportunity: learn and grow at every stage of your career
• Continuous innovation: redefine the future of financial services

Why Join FINN?

• Massive Impact: Your models will directly enable financial access for millions
• Greenfield Opportunity: Build our ML/risk capabilities from the ground up
• Cutting-Edge Tech: Work with modern ML stack and cloud-native infrastructure
• Rapid Growth: Join at the inflection point with clear path to scale
• Mission-Driven: Genuine social impact through financial inclusion