APAC FS Credit Risk Manager

Job Purpose

Key Responsibilities

• Perform portfolio risk analysis and maintain key risk metrics covering credit quality, delinquencies, losses, reserves, and cost of risk.
• Manage loss forecasting, reserve analyses, and CECL/US GAAP support, including budgeting and forecasting activities.
• Conduct country, regional, and macroeconomic risk assessments to identify emerging risks and opportunities.
• Develop, implement, and monitor credit risk scorecards (origination, behavioral, collections) and automated decision strategies using advanced analytics and AI/ML techniques.
• Lead the development, validation, and performance monitoring of risk models and decision tools across underwriting, collections, and portfolio management.
• Support digital transformation initiatives through automation, AI-driven solutions, and enhancements to credit processes and systems.
• Deliver data-driven insights and ad hoc analyses to support strategic business initiatives and risk mitigation efforts.
• Benchmark risk performance, policies, and practices against industry peers and market standards.
• Develop and maintain risk policies, governance frameworks, controls, and best practices across regions.
• Support new business initiatives, growth strategies, and product development through risk assessment and analytics.
• Promote knowledge sharing and consistency of risk methodologies across global teams.

Experience Required

• 7+ years of experience in credit risk management, portfolio analytics, and predictive modeling.

Preferred

• Experience in capital goods, equipment finance, or captive finance industry, with an understanding of dealer networks, distribution channels, and end-customer financing dynamics.
• Knowledge of agricultural and construction equipment markets.
• Excellent communication, stakeholder management, and presentation skills.
• Demonstrated ability to influence decision-making and drive alignment across a global, matrixed organization.

Preferred Qualifications

• Postgraduate degree in quantitative discipline such as Data Science, Analytics, Statistics, Mathematics, Economics, Finance, Engineering, or Computer Science.
• Strong expertise in Azure Databricks, SAS, Python, and cloud-based analytics platforms.
• Proven track record of developing, implementing, and monitoring predictive models, scorecards, AI/ML solutions, and data-driven decision frameworks.
• Ability to translate complex analytical findings into actionable business insights and strategic recommendations.

What We Offer

• Flexible work arrangements
• Savings & Retirement benefits
• Tuition reimbursement
• Parental leave
• Adoption assistance
• Fertility & Family building support
• Employee Assistance Programs
• Charitable contribution matching and Volunteer Time Off