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Sovereign’s Capital
Sovereign’s Capital

Head, Credit Risk



Petaling Jaya, Selangor, Malaysia
Posted on Friday, July 5, 2024

Company Description

Life at Grab

At Grab, every Grabber is guided by The Grab Way, which spells out our mission, how we believe we can achieve it, and our operating principles - the 4Hs: Heart, Hunger, Honour and Humility. These principles guide and help us make decisions as we work to create economic empowerment for the people of Southeast Asia.

Job Description

Get to know our Team:

  • Grab’s lending business (GFSA – Grab Financial Services Asia) is a recent addition to Grab’s array of product and service offerings focused on extension of Micro credit to drivers, agents and merchants in Grab’s ecosystem. GFSA team is a combination of strong talent pool in its Regional Hub (Singapore) and deep local market operators across its focus markets. We are incredibly excited about the opportunity ahead of us. We are looking to put together the best possible combination of business build drive, industry expertise and local market depth as part of our team. GFSA team is responsible for end to end conceptualization, design, development, execution and ongoing management of all lending activities in its focus markets and segments.
  • The Country Credit Operations team is responsible for setting up and execution of the credit risk management policies and procedures, work in closely with the Country Head, Product and Regional Credit Risk team assisting in shaping technological and risk methodology improvements for all the markets. The individual joining the Country Credit Operations team will have the unique opportunity to rapidly grow professionally as the team embarks on this new journey across all aspects of the credit risk framework, from data integrity, to systems, reporting, and risk/capital methodologies.

Get to know the Role:

  • Develop and implement the credit framework/Credit Policies for the country
  • Assist in development and implementation of data collection, data analytics and other strategies to analyze statistical efficiency and guide decision-making
  • Analyze data using an out-of-the-box lens from within and outside the Grab eco-system that would assist in making Credit decisions
  • Establish measurements to analyze credit model and policy performance, uncover insights and/or identify targeted areas for improvements
  • Work with business, data analytics and other functions to calibrate country credit policy and enable dynamic prioritization of credit business
  • Monitor credit performance metrics to identify issues, new and innovative credit processes or feature improvements and business growth opportunities
  • Assist in providing inputs from Credit Risk perspective for regulatory approvals
  • Assist in designing and implementation of reports and performance measurement dashboards


  • A Master’s degree/Bachelor’s degree, preferably in Statistics, Mathematics, Economics
  • Minimum 8 years relevant work experience in Credit policy, Credit analytics or insights related role.
  • Strong analytical skills with the ability to collect, organize and analyze significant amount of information with attention to detail and accuracy
  • Adept at queries, report writing and presenting findings
  • Self-motivated and independent learner who is willing to share knowledge with the team
  • Detail-oriented and efficient time manager who thrives in a dynamic and dynamic working environment
  • Technical expertise regarding data models, data mining and segmentation techniques.
  • Ability to conceptualize and execute credit scoring using non-conventional alternative data.

Good to have:

  • Prior experience in managing regulatory approvals in respective country
  • Strong foundation in data query/manipulation using SQL and data visualization using tools like Tableau
  • Strong programming languages like SAS, R, Python, SPSS, Matlab or other tools for statistical analysis

Additional Information

Our Commitment

We are committed to building diverse teams and creating an inclusive workplace that enables all Grabbers to perform at their best, regardless of nationality, ethnicity, religion, age, gender identity or sexual orientation and other attributes that make each Grabber unique.