We are partnering with banks that are embracing changes toward digital banking - Credit Card Partnership. These changes are exciting but complex, and we are looking for team members who are motivated by big challenges and are ready to dive headlong into helping us grapple with complexity, build solutions, and turn our visions into a reality. Join us if you have the talent and desire to deliver financial access for all by advancing data science and technology.
How You'll Make An Impact
As our Risk Analyst, you'll be at the forefront of safeguarding our financial stability by meticulously managing the quality of our digital lending portfolio. You'll gain a deep understanding of our end-to-end lending process, from onboarding to collection, and your insights will directly contribute to keeping our non-performing loan, delinquency, and loss rates below industry standards. By developing crucial risk and ad-hoc reports, evaluating credit and fraud scores, and collaborating closely with our engineering and product teams, you'll be instrumental in implementing automated risk strategies and driving data-driven strategic decisions. Your proactive proposals for optimizing risk policies will directly contribute to achieving our overall risk targets, ensuring a robust and secure financial ecosystem.
What You'll Do
- Understanding the end-to-end digital lending process includes onboarding, usage, and collection.
- Develop risk reports to manage the quality of the portfolio and monitor the ratio of non-performing loans, delinquency, and loss rate below the standards of the SBV and IFRS.
- Develop ad-hoc reports that focus on actual problems being faced and the business impact to notify leaders.
- Develop a monitoring report for tracking progress and the rules of the decision engine.
- Evaluate credit scoring/ fraud score/ income score/ 3rd party data for recommendations of credit strategies.
- Work with the engineering team to implement automated risk strategies.
- Work closely with the Product team to explore data. Use data to contribute toward strategic decision-making and planning.
- Propose optimization of risk policy and initiatives to achieve the overall risk target.
What We're Looking For
- Bachelor's degree in Finance, Economics, Applied Mathematics, Statistics, or related fields.
- More than 2 years of experience in risk analysis and credit approval within a financial institution.
- Proficiency in data analysis software, quantitative modeling, and strong data analysis skills.
- Effective presentation and communication abilities across all organizational levels.
- Understanding of financial industry regulations and standards.
- Ability to analyze issues, make data-driven decisions, and solve problems effectively.
What We Offer
Join our vibrant team and enjoy:
- Competitive compensation, including 13th-month salary and performance bonuses.
- Comprehensive health care for you and your dependents.
- Generous leave policies and flexible work hours.
- Convenient District 1 office location (next to the metro station).
- Onsite lunch, Grab for work allowance, and fully equipped workstations.
- Fun team-building activities, sponsored sports clubs, and Thursday happy hours.
- Unlimited free coffee, tea, snacks, and fruit.
- A chance to make a profound social impact by democratizing credit access in emerging markets.
Trusting Social is an AI-first fintech company pioneering the use of data and machine learning to expand fair access to credit in emerging markets. We are deeply committed to consumer data rights and responsible innovation, building products that balance performance with transparency, security, and long-term trust. Powered by AI and Big Data, we solve complex problems at scale, supported by a culture of ownership, integrity, and continuous experimentation—offering an environment where you can learn fast, push boundaries, and deliver real-world impact.
For more information about us, please visit our website: https://trustingsocial.com
