Senior Portfolio Analytics and Reporting Executive

OBJECTIVES:

• Analyze, develop, and implement risk strategies to optimize business performance
• Monitor and evaluate the effectiveness of risk strategies, and recommend continuous improvements to enhance risk management effectiveness
• Ensure compliance with internal policies and legal regulations related to risk management

MAIN MISSION AND RESPONSIBILITIES:

• Formulate, implement, and optimize end-to-end credit underwriting and customer filtering strategies across various acquisition channels using advanced risk segmentation tools
• Optimize the risk-return trade-off matrix by maximizing approval rates, maintaining risk losses within risk appetite, and minimizing underwriting and data query costs
• Design and maintain robust rules covering credit history criteria, fraud indicators, and deduplication mechanisms to improve applicant screening effectiveness
• Develop sophisticated strategies such as decision trees, scorecards, and clustering by integrating internal data with credit bureau, alternative data, and income proxies to define optimal cut-offs and risk tiers
• Establish dynamic credit limit and exposure management strategies across portfolio segments and experimental programs
• Execute A/B testing, Champion–Challenger, and Placebo frameworks to evaluate multiple concurrent strategies across different approval funnel stages
• Analyze large-scale datasets to identify portfolio blind spots and uncover growth opportunities or necessary policy tightening actions
• Monitor, evaluate, and present strategy performance to senior management, providing actionable recommendations and root-cause analyses
• Collaborate closely with Modeling and cross-functional teams to translate statistical outputs into high-performing risk strategies
• Maintain strong business acumen to ensure risk strategies remain competitive while safeguarding the company’s profitability
• Act as a data analytics expert in integrating and leveraging diverse data sources for risk management purposes
• Conduct ad-hoc analysis and strategy simulations to support business decisions when required

A. Knowledge & Experience:

• Bachelor’s degree in Data Science, Statistics, Mathematics, Financial Engineering, Management Information Systems (MIS), Banking, Economics, or related quantitative fields
• Minimum 2 years of experience in risk strategy, credit policy, or portfolio management roles within fintech companies, consumer finance companies, or retail banks
• Experience in evaluating and integrating alternative data sources such as Credit Bureau/CIC, Telco data, and alternative income data into automated credit decisioning systems
• Fluent in English, especially in writing skills
• Deep knowledge of financial products, credit processes, risk policies, and related operational systems
• Strong foundation in probability, statistics, and experimental design, including A/B testing, hypothesis testing, and sampling methods
• Strong hands-on experience with Python for data analysis, strategy simulation, and predictive model behavior analysis is highly preferred
• Proficiency in SQL for data extraction, transformation, and optimization on large datasets is a plus
• Proficient in MS Office applications, including Excel, Word, and PowerPoint

B. Skills & Competencies

• Effective communication and presentation skills across leadership levels and cross-functional teams
• Exceptional data analysis and strategic thinking capabilities
• Knowledge and application of compliance regulations related to risk management and customer data governance
• Strong business acumen with the ability to translate complex risk metrics into commercial competitive advantages
• Proactive, detail-oriented, and eager to learn, with the ability to bridge technical risk frameworks and business objectives
• Ability to manage performance and foster accountability and proactivity within the team

REASONS TO JOIN SHBFINANCE:

Dynamic & Open Working Environment

• Work alongside friendly and supportive colleagues who value individual growth and development
• Monday–Friday working schedule (40 hours/week) with a 1.5-hour lunch break
• Modern open workspace equipped with the tools and resources needed for success

Competitive Compensation & Benefits

• Competitive compensation package with regular salary reviews, offering up to 14 months of annual income
• Lunch allowance and other work-related benefits
• Competitive annual leave policy, including 1 fully paid birthday leave
• Comprehensive healthcare insurance coverage
• Company trips and annual team-building activities

Career Growth Opportunities

• Career development guidance and support from experienced managers
• Opportunities to participate in projects with local and international partners
• Continuous capability development through training programs, learning support, and knowledge-sharing activities