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