Grab

Company Description

About Grab and our workplace

Grab is Southeast Asia’s leading superapp. We are dedicated to improving the lives of millions of users across the region by providing them everyday services such as deliveries, mobility, financial services, enterprise services and others. More than that, we provide the opportunity for them to have a better life. And that aspiration starts inside Grab because we believe in a seamless blend of work and home life, making every aspect of life better for all.

Guided by The Grab Way, which spells out our mission, how we believe we can achieve it, and our operating principles—the 4Hs: Heart, Hunger, Honour and Humility—we work to create economic empowerment for the people of Southeast Asia. With our unwavering commitment to our values, we believe that we're more than a service provider; we're agents of positive change.

Job Description

The Head of Country Credit Risk is responsible for managing, overseeing, and driving credit risk management strategies, policies, and procedures. This role offers a unique opportunity for rapid professional growth, encompassing all aspects of the credit risk framework, from data integrity to system reporting. The individual will be involved in designing underwriting and account management strategies for the consumer portfolio and will work closely with the vertical/ functional heads, country risk teams, regional stakeholders and other functional stakeholders to execute them.

Get to know the Role:

The role will be responsible for combining advanced analytics with strategic foresight to optimize our credit risk strategy, operations, ensuring sustainable growth and steadfast compliance in a dynamic financial landscape

• Optimize underwriting and portfolio management risk policies through use of analytics and strategies for consumers and eco-system partner portfolios
• Continuously monitor portfolio risk reports, leveraging them to pinpoint and capitalize on opportunities for enhancing credit program efficiency.
• Regularly provide ad-hoc credit risk evaluations and advisory to Regional teams, Group Risk Head, and other key stakeholders.
• Design and implement early warning triggers and playbook to address risk concerns in a timely manner
• Assist in product and credit program development, reviewing and estimating risk parameters, product pricing, structure, and ensuring regulatory compliance.
• Drive business agenda with potential partners, ensuring optimal risk and profitability economics. 
• Effectively manage expectations and discussion with external stakeholders.
• Train and guide junior risk members in the team .

Qualifications

The Must Haves:

• A Master’s/Bachelor’s degree in a related domain, preferably in Statistics, Mathematics, Economics.
• Minimum of 10 - 12 years of experience in roles such as Credit Underwriting, MIS Reporting, Credit Policy, or Credit Analytics; preferably with managerial experience of at least 2+ year.
• Strong analytical skills with a capacity to collect, organize, and analyze vast amounts of data with meticulous attention to detail.
• Comprehensive understanding of the retail banking customer credit life cycle, including origination and portfolio management; with prior experience in consumer lending (preferably credit cards/ personal loans/ Buy now pay later).
• Self-driven, independent learner with a keen interest in team collaboration.
• Detail-oriented and efficient time manager who thrives in a rapidly changing and dynamic working environment.
• Demonstrated proficiency in verbal and written communication.
• Prior hands-on experience with Python will be a distinct advantage.

Good to have:

• Advanced technical expertise concerning credit risk models, database management, and segmentation techniques.
• High Proficiency level in English.

Additional Information

Benefits at Grab:

We care deeply about your well-being and are committed to supporting you every step of the way. Here are some of the global benefits we offer:

• Protect and provide for your loved ones with peace of mind, knowing we have your back with Term Life Insurance and comprehensive Medical Insurance.
• Craft a benefits package that suits your unique needs and aspirations with GrabFlex, because we believe in empowering you to thrive.
• Embrace the magic of new life and create lasting memories with your family through Maternity and Paternity Leave.
• Life can be overwhelming, but you're never alone. Our confidential Grabber Assistance Programme is here to guide and uplift you and your loved ones through life's challenges.
• Your well-being is our priority. Benefit from our holistic well-being initiatives through Wellbeing@Grab, including health programmes, informative webinars, and vibrant carnivals.
• Achieve a harmonious work-life balance with our FlexWork arrangements, allowing you to adapt and thrive in your personal and professional life.

We’ve got many different benefits hyper localised in each country. Speak to your recruiter during your interview to find out more.

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. If you require accommodations to fully participate in the recruitment process, you are encouraged to include your request(s) when applying.

We deliver the greatest impact and ideas when we bring together diverse perspectives. It is what enables us to spread opportunities to Grabbers and our partners. It’s not a box-ticking exercise; it’s who we are.