Snaphunt Pte Ltd – Credit Risk Analyst

• Strong career progression within one of the hottest startups in the region
• Work with a portfolio of SME clients
• Great opportunity for FinTech and startup enthusiasts

Our client is a FinTech startup backed by a top global incubator. Headquartered in Singapore with operations across South East Asia, they provide small and medium businesses convenient financial services including debit and credit card products, digital banking and cash management systems.

The Job

In this role, you will be growing the loan portfolio and meeting revenue targets for assigned clients. You will also be building relationships with clients and developing channels to grow the asset portfolio.
You will be responsible for :

• Understanding the dynamics of the client’s business, associated risks & mitigants and preparing a credit memo documenting the analysis
• Recommending approval of additional credit exposure and managing the portfolio on an ongoing basis
• Working on remediating liquidity challenged clients so that provisions are within tolerance
• Structuring and negotiating approval terms with clients so as to win business
• Understanding the credit needs of SME clients and providing solutions that meet their requirements
• Growing the asset book so as to meet revenue targets while maintaining provisions within risk tolerance levels
• Ensuring repayments are made on time and performing effective follow-ups in the event of delays

The Profile

• You have a degree in finance, banking, statistics, maths, or related fields.
• You have strong knowledge of credit underwriting and credit monitoring.
• You ideally have a good understanding of SMEs.
• You are passionate about the fintech industry and is a start-up culture fit
• You are self-motivated with a positive attitude and flexibility to operate in a fast-paced and evolving environment
• You are analytical, with strong communication and negotiation skills
• Knowledge of Mandarin would be an added advantage as the role requires the incumbent to interact and communicate with Chinese-speaking clients

Ref: 17200820