Head of Credit

Head of Credit

The company provides payment infrastructure across Southeast Asia, with a focus on Indonesia, the Philippines and Malaysia. We process payments, power marketplaces, disburse payroll and

loans, provide KYC solutions, prevent fraud, and help businesses grow exponentially. We serve

our customers by providing a suite of world-class APIs, eCommerce platform integrations, and

easy to use applications for individual entrepreneurs, SMEs, and enterprises alike.

Our main focus is building the most advanced payment rails for Southeast Asia, with a clear

goal in mind to make payments across and within SEA simple, secure and easy for

everyone. We serve thousands of businesses ranging from SMEs to multinational enterprises,

and process millions of transactions monthly. We've been growing rapidly since our inception

in 2015, onboarding hundreds of new customers every month, and backed by global top-10

VCs. We're proud to be featured on among the fastest growing companies by Y-Combinator.

Mission

We're looking for a passionate individual to be the Head of Credit in our Experiments team.

Responsibilities

Built a credit business from the ground up with new, innovative products not yet

available in the market

Develop credit granting processes for new and existing customers, from risk models to

financial valuation models to determining appropriate product terms and limits

Push the boundaries of credit risk modeling and underwriting with data science

Build a resilient credit portfolio and establish the tools and processes to intricately

understand performance levels and trends

Deepen our understanding of how our customers use credit so that we can serve them

better and enhance repayment rates

Build, launch, and grow innovative new financial services products to better serve

underserved customers

Employ core analytics skills and advanced problem-solving to analyze model and

portfolio performance

Establish strong partnerships within the company, including with the product,

engineering, finance, and operations teams.

Implement sound credit governance to maintain stability amid changing market

conditions and fulfil the expectations of external stakeholders.

You may be a good fit if you have

Over 7 years of experience in consumer credit roles with a focus on data analysis, credit analysis, and modeling

Demonstrated ability to manage and enhance a consumer credit portfolio.

Comprehensive expertise in credit risk modeling and machine learning methodologies

and technologies.

Exceptional quantitative and analytical skills with the capacity to identify patterns, trends, insights, and to conduct risk/reward assessments.

Proficiency in SQL, Python, and AWS.

Strong leadership skills to drive the organization's goals and initiatives with executive

teams, ensuring alignment with the broader vision and objectives in credit risk

management.

Bonus points if you have

A Master's Degree or higher in sciences, engineering, mathematics, statistics,

economics, or another analytical and quantitative field.

Built a resilient consumer credit portfolio in Indonesia or Southeast Asia

What we care about

Solve for the customer first: You build what customers want. You think about what is

right for customers, not what is easiest for you

Demonstrate mastery of honey badgery: You make ambitious goals. Then execute...no

matter what stands in the way. When knocked down, you get up

Take on challenges willingly and can be trusted to execute: You can be trusted to get

things done right the first time quickly. You hit your deadlines

You're like us: You smile a lot, think work is fun and don't take yourself too seriously. You measure yourself against the best and believe feedback is the breakfast of

champions. You follow the golden rule

You're remark-able: People naturally talk about how awesome you are. If we can't find

someone who raves about you then it's unlikely we will.