Credit and Fraud Risk Management

Our client, is a financial institution offering a fresh alternative for consumers, specialize in the development and management of real estate projects, collectively holding the largest market share in the industry.

Credit Risk Analysis and Management:

• Evaluate creditworthiness of applicants by conducting thorough credit analyses, including financial, behavioral, and demographic factors.
• Design, implement, and optimize credit risk models and scorecards specific to credit card products.
• Establish credit risk policies and guidelines, monitoring their effectiveness and adjusting them based on changing market conditions and portfolio performance.

Fraud Detection and Prevention:

• Develop and implement fraud prevention strategies and detection tools, including monitoring transactions for unusual patterns and behaviors.
• Analyze data to identify potential fraud risks and create predictive models to mitigate fraudulent activity.
• Collaborate with external vendors on fraud detection solutions, ensuring they are fully integrated into the bank’s credit card systems.

Portfolio Monitoring and Reporting:

• Conduct ongoing portfolio monitoring, assessing trends in credit performance, delinquency, and fraud activity to inform decision-making.
• Prepare regular risk reports and dashboards for senior management, highlighting credit and fraud risk metrics, trends, and mitigation measures.
• Recommend changes to credit policies or fraud prevention techniques based on data insights and industry trends.

Regulatory Compliance and Risk Governance:

• Ensure all credit and fraud risk management activities comply with Thai banking regulations, industry standards, and internal policies.
• Participate in risk audits and quality assurance checks, ensuring the bank's credit card risk management framework meets regulatory expectations.
• Support governance activities by collaborating with legal, compliance, and audit teams on matters related to credit and fraud risk.

Cross-functional Collaboration:

• Work closely with product, analytics, and IT teams to align risk management strategies with business objectives and customer experience goals.
• Collaborate with collections teams to establish early warning systems and enhance recovery strategies for high-risk accounts.
• Provide insights to marketing and sales teams to develop campaigns that balance growth with risk management.

• Minimum of 5 years of experience in credit risk and/or fraud risk management, with a focus on credit card products or consumer lending.
• In-depth knowledge of credit risk assessment and fraud detection methodologies.
• Strong analytical skills, with proficiency in data analytics tools such as SQL, SAS, Python, or R.
• Solid understanding of Thai regulatory requirements for credit and fraud risk management.
• Ability to develop and implement effective risk policies and fraud prevention strategies.
• Excellent communication skills, with fluency in both Thai and English.