Head of Credit Risk
- Bangkok
- Permanent
- Full-time
Industry: Fintech / SME Lending / Crowdfunding Platform
About the Role
Our client is a fast-growing fintech platform backed by prominent regional investors, specializing in SME debt crowdfunding. They are currently seeking a Head of Credit Risk to lead the design and execution of a robust risk management framework. This role is a strategic leadership position, reporting directly to the CEO and overseeing key risk verticals including Credit Underwriting, Collections & Recoveries, and Bondholder Representation.
The ideal candidate will bring deep experience in SME credit analysis, policy development, and end-to-end risk governance-along with a strong commercial mindset to balance risk controls with business growth.
Key Responsibilities
Risk Leadership & Strategy
- Design and execute the company's credit risk strategy covering underwriting, collections, operational risk, and compliance.
- Define risk policies, credit criteria, and NPL mitigation strategies to ensure portfolio quality while supporting business expansion.
- Lead the development of scorecards and credit models tailored for SME lending, aligned with regulatory standards and strategic goals.
- Serve as the in-house expert for operational risk management and internal controls, ensuring regulatory compliance and risk resilience.
- Stay ahead of evolving risk trends and regulatory shifts, proactively adjusting frameworks and controls.
- Oversee credit evaluation and approval processes, ensuring decisions align with risk appetite and internal policy.
- Optimize portfolio performance through risk-based pricing and use of alternative credit data and advanced scoring methodologies.
- Promote automation and data-driven decision-making across the credit cycle.
- Drive effective delinquency management and recovery strategies with a focus on optimizing recovery rates.
- Manage high-risk or escalated cases, including legal recoveries and collaboration with third-party collection partners.
- Ensure compliance with all relevant debt recovery laws and ethical practices.
- Lead and mentor a multi-disciplinary risk team, ensuring clear KPIs, accountability, and performance excellence.
- Cultivate a strong risk culture across the business, collaborating closely with Sales, Finance, Operations, Compliance, and Investor Relations.
- Ensure end-to-end compliance with SEC and other relevant regulations governing crowdfunding and fintech operations.
- Act as the key risk representative in discussions with regulators, legal counsel, credit agencies, and external partners.
- Provide risk-based insights to executive leadership, supporting business decision-making with strategic risk advice.
- Bachelor's or Master's degree in Finance, Economics, Business, Engineering, Law, or a related field.
- Minimum 10 years of experience in credit risk management-preferably with exposure to SME or retail lending in fintech, banking, or NBFIs.
- Demonstrated expertise in credit underwriting, scorecard design, policy development, and governance frameworks.
- Practical experience in collections & recoveries and operational risk controls, including legal recovery processes.
- Familiarity with SEC regulations and compliance obligations within crowdfunding or lending platforms.
- Strong leadership skills, with proven success in managing diverse risk teams and external vendors.
- Fluent in both Thai and English, with excellent communication and stakeholder management capabilities.
- A hands-on, analytical leader who can balance risk prudence with business agility.