Head of Risk

• Design, implement, and monitor a holistic risk management framework that encompasses credit risk, collections & recoveries, operational risk, and compliance.
• Set and enforce credit risk governance policies, underwriting standards, and debt management strategies to reduce non-performing loans (NPLs) while supporting portfolio expansion.
• Drive the creation and ongoing improvement of credit policies, scorecards, and risk models tailored for SME lending, ensuring they meet business goals and regulatory standards.
• Act as the primary expert in operational risk management, ensuring stringent risk controls and adherence to regulations.
• Stay abreast of emerging risks, regulatory shifts, and industry trends to adjust risk policies and strategies proactively.

• Conduct thorough analysis and approval of SME credit applications, ensuring rigorous risk assessments and compliance with company policies.
• Assess portfolio performance and refine risk-based pricing strategies to boost lending efficiency.
• Deploy advanced credit scoring models and alternative data sources to enhance decision-making through automation and data-driven insights.

• Lead and optimize the collections & recoveries process to ensure effective delinquency management and debt recovery strategies.
• Implement data-driven approaches to collections to improve recovery rates while preserving borrower relationships.
• Handle escalated cases, oversee legal recovery processes, and negotiate with external debt collection agencies.
• Ensure strict compliance with debt collection regulations and best practices.

• Ensure full compliance with SEC regulations and other relevant regulatory requirements for the crowdfunding platform.
• Foster and maintain strong relationships with key stakeholders, including regulators, credit agencies, legal advisors, and government bodies.
• Serve as the primary risk contact for internal and external stakeholders, offering strategic risk insights to inform business decisions.
• Fulfill any additional duties assigned by management.

• Master's degree in Business Administration, Economics, Finance, Engineering, Law, or related fields.
• At least 10 years of experience in SME or retail risk management, ideally within a fintech, banking, or financial institution environment.
• Proven experience in credit underwriting, including the analysis and approval of SME credit applications.
• Demonstrated expertise in developing credit scorecards, formulating credit policies, and implementing risk governance.
• Practical experience in managing collections & recoveries, legal recovery processes, and operational risk.
• Solid understanding of debt collection regulations, legal frameworks, and compliance requirements (SEC preferred).
• Experience leading cross-functional risk teams and managing external risk-related vendors.
• Strong analytical, organizational, and leadership skills, with the ability to perform under pressure.
• Excellent written and verbal communication skills in Thai and English.
• Ability to work both independently and collaboratively in a dynamic fintech environment.

Contact info

Email: charlotte.guo@ambition.com.sg

EA Registration Number: R24124139

EA License: 10C5117

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