Asst. Manager Credit Risk

Company Description

About Grab and Our Workplace

Grab is Southeast Asia's leading superapp. From getting your favourite meals delivered to helping you manage your finances and getting around town hassle-free, we've got your back with everything. In Grab, purpose gives us joy and habits build excellence, while harnessing the power of Technology and AI to deliver the mission of driving Southeast Asia forward by economically empowering everyone, with heart, hunger, honour, and humility.

Job Description

Get to Know the Team

Lending Risk team is a team that is responsible for managing credit risk of country lending products, we are serving our passengers, drivers and merchants with various lending offers and opportunities. We are made up of people that work well together and care about one another. If you enjoy working as part of a team and are searching for a place to grow together, we invite you to join our team!

Get to Know the Role

Leads the end-to-end management of merchant lending products from a credit risk perspective, ensuring potential risks are proactively identified, assessed, and effectively mitigated. Responsibilities include conducting comprehensive credit risk assessments for new products and features, and implementing mitigation strategies to protect both users and the business. Drives continuous improvements in key credit risk metrics through close collaboration with cross-functional teams. Prepares and presents clear, concise, and data-driven reports to senior and executive management to support strategic decision-making. This role is based on-site in our Jakarta office.

The Critical Tasks You Will Perform

• Independently design data-driven and analytical strategy, solutions for business problems with acceptable risk. That covers whitelist, underwriting and lending limit management
• Manage and track effectively lending portfolio, also advise on the action that need to be taken to keep portfolio metrics on healthy level
• Close collaboration & coordination with various teams - business, engineer, credit decision engine, data science, operations, legal, finance, & regional teams

Qualifications

What Essential Skills You Will Need

• Minimum 3 years of experience in credit risk, consumer lending, or retail/SME sectors, including at least 1 year dedicated to credit risk roles for consumer lending, with a track record of delivering data-driven business results
• Analytical, covering business modeling (Excel (can maintain complex spreadsheets)) and data analysis using SQL or Python
• Understanding of compliance, customer due diligence, and Indonesia's financial services landscape
• Ability to collaborate and managing relationship with stakeholders across diverse functions and regional teams
• Flexibility, motivated, and inclusive team player who thrives in fast-changing, complex, and VUCA.

Additional Information

Life at Grab

We care about your well-being at Grab, here are some of the global benefits we offer:

• We have your back with Term Life Insurance and comprehensive Medical Insurance.
• With GrabFlex, create a benefits package that suits your needs and aspirations.
• Celebrate moments that matter in life with loved ones through Parental and Birthday leave, and give back to your communities through Love-all-Serve-all (LASA) volunteering leave
• We have a confidential Grabber Assistance Programme to guide and uplift you and your loved ones through life's challenges.
• Balancing personal commitments and life's demands are made easier with our FlexWork arrangements such as differentiated hours

What We Stand For at Grab

We are committed to building an inclusive and equitable workplace that enables diverse Grabbers to grow and perform at their best. As an equal opportunity employer, we consider all candidates fairly and equally regardless of nationality, ethnicity, religion, age, gender identity, sexual orientation, family commitments, physical and mental impairments or disabilities, and other attributes that make them unique.