What is it about in one line?
We are looking for a Credit RIsk Manager who is passionate in building new products and experienced in SME credit assessment, to set up a new SME Credit business unit directly with the senior management team in YouTrip.
Sounds interesting? Here’s more about us
YouTrip is Southeast Asia’s 1st and leading multi-currency wallet. As a regional financial technology startup, YouTrip is dedicated to creating the best mobile financial services by simplifying foreign currency payments and offering the best exchange rates. Launched in 2018, YouTrip has been voted the #1 multi-currency account in Singapore with the largest user base in the region following its successful launch in Thailand in partnership with Karsikornbank in 2019.
YouTrip is a Major Payment Institution licensed under the Monetary Authority of Singapore and awarded the Top FinTech Leaders 2020 by Singapore FinTech Association, and ASEAN’s Best Fintech Startup 2019 by the Rice Bowl Startup Awards.
Our culture is entrepreneurial, open & inclusive, and teamwork-oriented. We are looking for talents with the aspiration to thrive in a rapidly growing business in the exciting FinTech space.
You will
- Review credit applications, evaluate credit rating and prepare cash flow analysis to ascertain credit risk and to provide credit decision of SME loan applications
- Develop credit assessment framework and credit policy for SME Credit for YouTrip, including determining the necessary primary information and industry data to perform credit assessment, as well as risk management framework
- Collaborate with the Data Team in developing an automated SME Credit model
- Assist in developing the pricing framework for SME Credit
- Assist in designing the operational process with operation analysts and other team members, to determine and execute an end-to-end process for SME Credit, including onboarding, verification, collections, etc.
You are
- Experienced Credit Approver – You have racked up at least 3 years of experience either in banks or financial institutions as a credit analyst, credit underwriter, or credit officer to review credit application and provide credit decision on SME loan application in Singapore. You should be experienced in preparing credit recommendations and understand the credit market landscape in Singapore. Knowledge on SME credit regulations will be a plus
- Entrepreneurial self-starter – You are passionate in building a new product and new team, and are not afraid to suggest and implement new process and ideas to ensure the maximum chance of success for the business
- Data Enthusiast – You understand the importance of data and making sound and robust decisions by creating necessary analytical framework. Working with other like-minded individuals like the Data Team to create an automated credit assessment model excites you
- Effective Communicator – Building a new product requires collaboration with many different internal and external stakeholders, and you are well versed in stakeholders communication and able to explain your credit expertise and industry knowledge clearly, even to non-credit experts
What can you expect from us?
- An innovative culture that encourages talents to work highly collaboratively in a respectful, friendly environment
- Direct report to the Regional General Manager and be part of the founding team of the SME Credit business
- Multi-cultural co-working space environment in CBD area
- Access to a deep bench of technical and business experts to work together
- Working with an entrepreneurial team of people in Singapore, Thailand, and Hong Kong
To apply
If you are interested in this position, please send your resume to hr@you.co, quoting Credit Risk Manager in the subject header
