129 Portfolio Risk jobs in Thailand

RESPONSIBILITIES

• Develop and implement Acquisition and Account Maintenance credit policies for unsecured loan products. Ensure all credit policies are complied with regulatory and compliance requirements.
• Design report/dashboard and monitor portfolio credit performance to identify issues or new & innovative credit processes. Ensure that appropriate actions are promptly taken if necessary.
• Provide deep dive portfolio analysis and strategic proposals to optimize portfolio quality and profitability. Effectively conceptualize analysis to various stakeholders.
• Collaborate with Business, Credit Operation, Credit Risk Scoring, and other units to ensure the effectiveness of account maintenance activities and business growth with continuous improvement in credit quality.
• Collaborate with the Finance unit on portfolio planning for potential loss and reserve requirements.
• Provide initiative on new systems, tools and processes to ensure efficiency.
• Perform the other assignments assigned by the Management team.

REQUIREMENT

• Bachelor's and/or Master's degree in Economics, Business Administration, Statistics, Mathematics, Engineer or related fields.
• 3-10 years' experience preferably in Credit Risk Management in Banking & Finance Business.
• Data query/manipulation using SQL is preferable.
• Good analytical, data visualization and presentation skills.
• Good command of written and spoken English.
• Multitasking, self-motivated and fast & independent learner.

RESPONSIBILITIES

• Develop and implement Acquisition and Account Maintenance credit policies for unsecured loan products. Ensure all credit policies are complied with regulatory and compliance requirements.
• Design report/dashboard and monitor portfolio credit performance to identify issues or new & innovative credit processes. Ensure that appropriate actions are promptly taken if necessary.
• Provide deep dive portfolio analysis and strategic proposals to optimize portfolio quality and profitability. Effectively conceptualize analysis to various stakeholders.
• Collaborate with Business, Credit Operation, Credit Risk Scoring, and other units to ensure the effectiveness of account maintenance activities and business growth with continuous improvement in credit quality.
• Collaborate with the Finance unit on portfolio planning for potential loss and reserve requirements.
• Provide initiative on new systems, tools and processes to ensure efficiency.
• Perform the other assignments assigned by the Management team.

REQUIREMENT

• Bachelor's and/or Master's degree in Economics, Business Administration, Statistics, Mathematics, Engineer or related fields.
• 1-3 years' experience preferably in Credit Risk Management in Banking & Finance Business.
• Data query/manipulation using SQL is preferable.
• Good analytical, data visualization and presentation skills.
• Good command of written and spoken English.
• Multitasking, self-motivated and fast & independent learner.

Pak Kret, Nonthaburi

Ngernturbo was founded by a young generation of leaders on the belief that fair and reasonable access to capital is crucial to improving the quality of life, especially for grassroots people in Thailand. We are actively developing the next generation of leaders who will drive our company forward to make a meaningful and lasting impact across the country.

RISK ANALYST

As a Risk Analyst, you will be deeply involved in the end-to-end loan process, from acquisition and account maintenance to collections management. You will be a key contributor responsible for initiating underwriting systems and policies, monitoring portfolio health, and providing prompt solutions to maintain risk at acceptable levels. This role requires close collaboration with Operations, Credit, Product, Sales, and IT to implement risk strategies that align with our business goals and optimize portfolio profitability. You will conduct robust portfolio analysis to identify risky segments, manage underwriting policies in a dynamic market, contribute to business planning for loan loss reserves, and support critical business decisions through ad hoc analysis.

RESPONSIBILITIES:

• Involve in the end-to-end loan process, starting from acquisition, account maintenance and collection as well as portfolio management.
• Involve all aspects of risk management including the initiation of underwriting process and policies, credit approval, portfolio management, and collection process.
• Manage credit portfolios, analyze risks and provide reliable recommendations and decisions that serve the best for the company.
• Work closely with all related teams (Operations, Credit Networking, Product and Process, Sales, IT, etc.) to improve and carry out the proper and smooth loan process.
• Prepare routine reports and support Ad hoc analysis.

BASIC QUALIFICATIONS:

• Bachelor's degree or higher in Business Administration, Economics, Engineering, Statistics, or a related quantitative field.
• Familiarity with data querying and analysis using tools such as SQL.
• Experience with business intelligence and data visualization tools like Power BI.

PREFERRED SKILLS & EXPERIENCE:

• Analytical Mindset: You base your opinions and recommendations on rigorous analysis and are comfortable diving deep into data to uncover insights and validate hypotheses.
• Systematic Thinking: You have a natural ability to see the bigger picture, understand complex systems, and break down multi-faceted problems into logical, manageable steps.
• Collaborative Spirit: You excel at working cross-functionally, building strong relationships with stakeholders in Operations, Sales, and IT to drive collective success.
• Proactive Problem-Solving: You don't wait for issues to arise; you actively monitor performance, anticipate potential risks, and propose solutions before they impact the business.
• High Accountability: You take ownership of your portfolio and analyses, demonstrating a commitment to accuracy, quality, and delivering on commitments.

ADDITIONAL REQUIREMENTS:

• This role is based full-time at our Pak Kret, Nonthaburi office. Candidates must be able to reliably commute to this location or be willing to relocate.
• Willingness to work extended hours as needed to meet ambitious project deadlines.

COMPENSATION AND BENEFITS:

Your actual level and base salary will be determined on a case-by-case basis and may vary based on the following considerations: job-related knowledge and skills, education, and experience.

Base salary is just one part of your total rewards package. You will also receive access to comprehensive benefits, paid leave, and other company perks which will be discussed during the interview process.

EQUAL OPPORTUNITY EMPLOYER:

Our company is an Equal Opportunity Employer; employment is governed on the basis of merit, competence, and qualifications and will not be influenced in any manner by race, religion, gender, disability status, age, sexual orientation, gender identity, or any other legally protected status.

• ศึกษาประกาศธนาคารแห่งประเทศไทย เก็บและวิเคราะห์ Requirement ตามทฤษฎี
• ศึกษาทฤษฎีเพิ่มเติมตามความจำเป็นที่ต้องใช้งาน พร้อมทั้งให้คำปรึกษาทางธนาคารได้เบื้องต้น เช่น ทฤษฎีการคำนวณค่า Modified Duration/ วิธีการค านวณ LCR Ratio
• ให้คำปรึกษาทางธนาคารในมุมมองของ Business ในแต่ละ Module
• จัดทำรายงานด้วย Reporting Tools ตาม Module ที่ได้รับมอบหมาย
• จัดทำเอกสารเช่น Business Requirement Document (BRD), เอกสาร Business Gap Analysis ,เอกสาร Business Blueprint ,เอกสาร Functional Specification Document (FSD) ,และ จัดทำเอกสารประกอบการพัฒนาแบบจำลอง (Model Document)ฯลฯ
• จัดทำDRS, Unit Test: Logical
• ประสานงานกับผู้รับให้บริการเพื่อเข้าใจและกำหนดการใช้งานของ Application ตาม Requirement ของธนาคาร

Qualifications

• สำเร็จการศึกษาระดับปริญญาตรีหรือปริญญาโทด้านการเงิน การบัญชี เศรษฐศาสตร์ หรือสาขาอื่นที่เกี่ยวข้อง หากมีวุฒิ MBA หรือวุฒิการศึกษาขั้นสูงที่เกี่ยวข้องจะได้รับการพิจารณาเป็นพิเศษ
• มีประสบการณ์มากกว่า 3 ปีในด้าน credit risk, market risk, risk management, liquidity management, asset liability management (ALM), or fund transfer pricing
• มีความรู้เกี่ยวกับ Basel II & III รวมถึงข้อกำหนดของธนาคารแห่งประเทศไทย (ธปท.) และมาตรฐานข้อบังคับระดับสากลที่เกี่ยวข้องทั้งหมด
• มีทักษะการนำเสนอ การสื่อสาร และการเจรจาต่อรองในระดับยอดเยี่ยม สามารถสื่อสารและประสานงานกับผู้บริหารระดับสูงได้อย่างมีประสิทธิภาพ
• สามารถใช้ภาษาอังกฤษได้อย่างคล่องแคล่วทั้งการพูดและการเขียน
• มีทักษะการวิเคราะห์และการแก้ปัญหาที่ สามารถคิดเชิงกลยุทธ์และมีความคิดสร้างสรรค์
• มุ่งมั่นในการเรียนรู้อย่างต่อเนื่อง และติดตามความเคลื่อนไหวล่าสุดในด้านการบริหารความเสี่ยงและมาตรฐานข้อบังคับอย่างสม่ำเสมอ

Responsibilities:

• Analyze and manager portfolio performance including develop and implement risk strategy.
• Conduct analysis and provide information for credit risk evaluation to reduce and / or manage risk.
• Maintain credit policies to reflect / anticipate changing marketing and competitive opportunities / threat.
• Support business including new product initiative to maximize profitability with continuous improvement in credit quality.
• Support portfolio planning for potential loss and reserve requirement.
• Prepare the routine reporting and support the ad hoc analysis on any other issues

Qualifications:

• Bachelor's Degree or higher in Finance, Accounting, Economics or any related field
• Minimum 2 years of working experience
• Familiar with financial modeling, good with number
• Strong in analytical skills
• Good presentation, communication, and interpersonal skills
• Ability to work under time pressure.
• Experience in financial institutions or consumer lending business is preferable

Key Tasks & Responsibilities

• Establish & maintain credit criteria and underwriting framework to ensure portfolio quality.
• Monitor credit performance metrics to identify issues, new and innovative credit processes or feature improvements and business growth opportunities.
• Provide business decision support through segmentation and targeted acquisition analysis by leveraging deep dive data analytics from internal and external data.

Qualifications

• Bachelor's degree or higher in Finance, Statistics, Computer Sciences, Economics, Engineering, or any related fields
• 0-5 years experiences credit Risk management in retail banking, consumer finance.
• Fresh graduates are also welcome.
• You are familiar with Python to extract, transform, analyze, and visualize data
• You understand the fundamental of data analytics
• You can efficiently communicate in English
• You love to solve problems, and you are passionate about how data can transform the financial industry

"Selection of candidates for this position requires a criminal record check to ensure safety and maintain organizational standards."

Position Overview:

We are looking for a highly analytical and experienced
Credit Risk Analyst
to join our growing team and help shape the credit strategy of a dynamic lending business. In this role, you will be responsible for analyzing credit performance, developing and refining risk policies, and building models to support credit decisioning across the customer lifecycle. You'll collaborate cross-functionally with product, data, and operations teams to ensure risk is well-managed while supporting business growth. This is a great opportunity for someone who thrives in a fast-paced environment and wants to make a tangible impact in the financial services space.

Key responsibilities:

• Analyze credit performance and portfolio trends across products and segments (e.g., approval rate, delinquency, NPL, recovery).
• Develop, monitor, and fine-tune credit risk strategies and policies, including credit scorecards, cutoffs, and early warning indicators.
• Build and maintain risk models using internal and external data to support underwriting and collection strategies.
• Collaborate with product, data, and operations teams to design credit journeys that balance risk and growth.
• Perform deep-dive analysis into delinquency cases, identify root causes, and recommend corrective actions.
• Support new product launches or credit initiatives with risk assessment and scenario planning.
• Prepare regular risk dashboards and management reporting for internal and regulatory stakeholders (e.g., BOT).

Qualifications:

• 3–7 years of experience in credit risk, analytics, or portfolio management in lending, banking, or fintech especially in consumer lending, digital loans, or unsecured products
• Strong analytical skills and proficiency in SQL, Excel, and Python
• Solid understanding of credit lifecycle: underwriting, monitoring, restructuring, and collections.
• Ability to communicate complex insights clearly to both technical and non-technical stakeholders.

What you'll do

Security Questionnaire Management:

• Take ownership of client security questionnaires from end to end, including scoping, response drafting, information gathering, and coordination of internal reviews.
• Act as the primary liaison with internal stakeholders to manage timelines, track progress, and provide regular status updates.

Technology Risk and Compliance Support

• Assist in day-to-day risk management activities such as vendor risk assessments, internal control reviews, and documentation support.
• Support the company's compliance with ISO 27001 and SOC 2 Type 2 standards by coordinating the completion of recurring tasks and maintaining evidence and audit readiness.
• Help track and follow through on corrective actions or process improvements related to risk and compliance initiatives.

Cross-Functional Coordination:

• Work closely with Legal, IT, Security, and other departments to gather required responses and ensure alignment on deliverables.
• Facilitate communication across teams to ensure timely and high-quality completion of assigned responsibilities.

Required Skills and Qualifications

• 3 - 5 years of relevant experience in IT audit, risk, or compliance—ideally with a background in a Big Four professional services firm (e.g., EY, PwC, Deloitte, KPMG).
• Familiarity with information security standards and frameworks such as ISO 27001,SOC 2, or similar.
• Detail-Oriented & Process-Driven: Ability to manage documentation meticulously, follow structured processes, and identify gaps or in consistencies.

• Accountability & Initiative: Able to take full ownership once a task is assigned - from following up with stakeholders to proactively seeking answers or solutions when needed. Must be dependable and results-driven.

• Effective Communicator: Able to clearly communicate technical and risk-related information with both technical and non-technical stakeholders, keeping everyone aligned and informed.

• Team Player with a Growth Mindset: Comfortable working collaboratively but are also eager to learn, grow, and take on increasing responsibility over time.

• Able to relocate to Philippine if require.

What you'll get

• An awesome job with an attractive remuneration package
• Hybrid work with good, comfortable environment and settings
• Friendly colleagues who support each other to win as a team
• A flat, product-focused organization and Agile team to let you add your value and ideas to the product and company
• Opportunities to learn and be trained in applied new technologies and methodologies product
• Facing new and innovative challenges to deliver commercial-grade, world-class
• Career growth in multiple directions, based on your preferences and abilities.

Bettr is the digital lending business under Ant International, focused on providing inclusive financial services to MSMEs across Southeast Asia. By leveraging innovation-led tech like AI/ML and advanced analytics, we're unlocking growth opportunities for small businesses while ensuring robust, data-driven risk management.

We're now looking for a Credit Risk Manager who brings together credit risk knowledge and strong coding skills to help us build smarter, faster, and more scalable risk models.

Key Responsibilities

• Design and maintain the credit risk management framework (processes & policies) across the customer lifecycle.
• Build and validate credit risk models & scorecards, incorporating AI/ML techniques and alternative data into assessments.
• Conduct regular and ad-hoc portfolio analysis to identify risks, update policies, and improve decision engines.
• Collaborate cross-functionally with product, tech, business, legal, and compliance to deliver embedded lending solutions.
• Meet Thailand regulatory requirements (BOT) and align with Basel and IFRS9 standards.
• Lead and support local risk team members, approvers, and collections experts with data-driven insights.
• Analyze RETAIL & SME market trends, provide recommendations to senior management, and strengthen procedural reviews.

Requirements

• Bachelor's degree or above in Mathematics, Statistics, Data Science, Financial Engineering, or related fields.
• 2-3 years' experience in credit risk modeling, data science, or analytics (preferably in a Thai lending/fintech institution).
• Proficient in Python, SQL, R, SAS (coding background is essential).
• Hands-on experience in end-to-end development and validation of risk models.
• Knowledge of BOT, Basel, IFRS9 in relation to models.
• Strong understanding of retail and SME credit products.
• Excellent stakeholder management and communication skills (English required; Chinese a plus).
• Self-driven, analytical, and meticulous in producing clear, high-quality documentation.