Credit Analysis-JF247

What your day-to-day will look like:

· Responsible for the underwriting of loans involving alternate data which involves cash flow data related to banking and billing/payments data , financials and other data sources like marketing  and credit bureau information

· Provide recommendations tied to analysis and assessment of credit risk

· Execute key underwriting activities, such as credit scoring and risk assessment, due diligence in accordance with Jenfi’s policy guidelines of prospective companies in the pipeline

· Assist in developing and implementing country specific credit risk scorecards to standardize and localize credit evaluations of prospective companies

· Continuously track and improve the Straight Through Decisioning Funnel, develop automated lending strategy, which seeks to continuously increase the proportion of decisions process automatically

· Collaborate on technical matters with the product and engineering team to improve the automated data extraction and processing of various types of data and data sources

· Work closely with the sales team to coordinate for information requests and follow ups with prospective companies.

· Monitor and action on individual and portfolio level credit performance

· Present credit risk assessments to the credit team on a regular basis

· Identify opportunities to improve the existing underwriting and credit analysis framework for the Vietnamese market, contributing to the evolution of the Credit Analysis Unit.Stay up to date on the latest industry and market trends

You will thrive if you have:

· 3+ years of relevant credit risk experience, including underwriting, KYC process compliance, risk management

· Bonus: direct early stage fintech experience

· Creative thinker with strong bias to action exhibiting a “can-do” attitude

· Leadership skills to go beyond the job scope and innovate based on business needs

· Adept at working collaboratively as part of a team, actively contributing to the leadership, sales, product, and engineering departments.

· Excellent coordination skills to effectively liaise with various internal and external stakeholders