Credit Risk Strategist

We are pleased to be partnering a high\-growth Consumer Finance Platform to appoint a senior credit risk strategist (circa. $170k annual base with separate bonus) into the organisation. Based in Singapore, this is a role for someone who can connect credit policy, portfolio performance and commercial growth for one of the largest consumer lending books in the group. **The Role** * End\-to\-end credit risk strategy for the BNPL book: acquisition criteria, credit limit assignment, pricing, and account management. * Translation of risk appetite into policies embedded across the full customer lifecycle, with direct accountability for approval rate, bad rate, NPL, recovery, and portfolio yield. * Strategy and performance oversight across application, behavior, transaction, and recovery models — providing senior guidance to modelers and analysts, validating outputs before deployment, and converting them into cutoffs, segmentations, and policy levers. * A unified view of portfolio health across risk, collections, and fraud, with early warning on emerging trends and structural fixes rather than reactive patches. * Partnership with Product, Business, Engineering, and Marketing on growth initiatives — assessing new launches through a risk lens and communicating trade\-offs to leadership. * Representation of the risk function in audits, regulatory reviews, and governance forums. * Policy experimentation (A/B tests) from hypothesis to rollout, and stress testing/scenario analysis on portfolio. * Proactive identification of gaps in the existing risk framework, with end\-to\-end ownership of the initiatives to close them. **Ideal Candidate** * At least 5 years of combined experience in credit risk and data analytics, data science, or business intelligence * Career arc that started in a technical/data science role and progressed into business analysis, portfolio strategy, or risk policy ownership will be highly favoured * Hands\-on consumer lending experience — BNPL, PayLater, digital lending, or unsecured consumer credit. Familiarity with local credit bureau ecosystem, local alternative data sources, and country\-specific risk dynamics is essential. * Strong understanding of lending economics and the full credit lifecycle: approval, limit, pricing, delinquency, recovery. * Ability to work with modelers and data teams from a position of technical credibility — able to challenge methodology, validate outputs, and translate model results into policy. * Proficient in SQL; comfortable with Python, Tableau, or equivalent analytics tooling. * Excellent written and verbal communication — able to move fluidly between technical discussions with data teams and commercial conversations with leadership. * Self\-driven, structured, outcome\-oriented; able to operate independently across two or more geographies. Janard Liew Principal Consultant \- Executive Search Email: janard@evolute.sg Personnel Registration Number: R21100704