Retail Credit Analyst Manager (180 - 200K+)

Are you ready to redefine what's possible in financial services? Imagine yourself at the core of a thriving fintech revolution, building credit access for millions across Southeast Asia. This isn't just about crunching numbers; it's about leading a dynamic team, leveraging cutting-edge technology, and making a tangible impact on emerging economies. If you’re a natural leader with a sharp analytical mind and a passion for disrupting traditional lending, then this fully remote, worldwide opportunity offers a unique chance to shape the future of finance and guide a high-performing team to new heights. Join Kate Worthington's client and become part of a story of unprecedented growth and innovation.

Overview

Our client is a vibrant, rapidly expanding fintech company with a clear vision: to revolutionize unsecured lending throughout Southeast Asia, one of the globe's fastest-growing economic regions. They began by offering instant e-commerce financing, seamlessly integrating with merchant checkouts to provide buyers with immediate purchase credit. Their rates are significantly more competitive than traditional consumer finance options. This achievement comes from harnessing breakthrough technology and advanced data science, uncovering unmatched insights into credit risk and fraud from a rich tapestry of data sources. These include phone, social networks, telco, financial records, and location data. Recognized as one of SEA's fastest-growing fintech innovators, our client has successfully secured over US$100 million in venture capital funding from leading investors. They have garnered numerous accolades, including being named among the top 100 fintech companies globally, earning the title of the number one fintech startup in Southeast Asia, and being celebrated as one of Google's top 30 global startups. This role is a fully remote position, open to exceptional talent from anywhere in the world.

Key Responsibilities

Lead and Mentor a High-Performing Team: You will manage a team of dedicated credit analysts, setting clear performance objectives and fostering an environment of continuous learning and excellence.
Drive Operational Efficiency: Oversee the credit analysis process, ensuring your team consistently meets processing volume targets and maintains exceptional quality scores within established service level agreements.
Strategic Scheduling and Resource Management: Effectively schedule the credit analyst team to guarantee adequate coverage and optimal productivity, adapting to dynamic business needs.
Enhance Credit Risk Assessment: Guide your team in utilizing advanced data sources and analytical tools to accurately assess credit risk and detect fraud, contributing to robust lending decisions.
Process Improvement and Innovation: Identify opportunities to streamline workflows, enhance analytical methodologies, and implement best practices to improve overall team performance and accuracy.
Cross-Functional Collaboration: Work closely with risk management, data science, product development, and other departments to align credit strategies with broader company goals and product enhancements.
Performance Monitoring and Reporting: Track key performance indicators for the credit analysis team and contribute to reporting on credit portfolio health and operational metrics.

Requirements

A minimum of 5 years of progressive experience in retail credit analysis or consumer lending, with at least 2 years in a leadership or management role.
Demonstrated experience managing a team to meet and exceed performance targets and quality standards.
Strong analytical capabilities and a deep understanding of credit risk assessment principles, fraud detection, and data-driven decision-making.
Familiarity with various data sources used in credit scoring (e.g., telco, social, financial transaction data) and a proven ability to leverage these for insights.
Excellent communication and interpersonal skills, capable of motivating a team and collaborating effectively across different functions.
A Bachelor's degree in Finance, Economics, Business, or a related quantitative field.
Experience working within a fast-paced fintech environment or a strong understanding of the e-commerce lending landscape in Southeast Asia is highly advantageous.
Proficiency in credit analysis tools and comfortable with data analysis platforms.

What You'll Gain

Significant Impact: Play a crucial role in expanding financial inclusion and empowering consumers across a high-growth region.
Unmatched Growth Opportunity: Join a company that is not just growing, but defining its industry, offering ample scope for personal and professional advancement.
Competitive Compensation: Enjoy an attractive salary package ranging from US$180,000 to US$200,000+, reflecting your expertise and contributions.
Innovative Environment: Work with a team leveraging breakthrough technology and advanced data science to solve complex challenges.
Global, Remote Flexibility: Thrive in a fully remote work setup, collaborating with diverse talent from around the world.
Award-Winning Culture: Be part of an organization celebrated globally for its innovation and success.