WeLab Bank - Senior Manager, Credit Analytics

Job description

WeLab, a leading pan-Asian fintech platform, operates two digital banks (WeLab Bank and Bank Saqu) as well as multiple online financial services in Hong Kong, Mainland China, and Indonesia, with over 70 million individual users and over 700 enterprise customers. WeLab uses game-changing technology to help users access credit, save money, and enjoy their financial journey. At WeLab, we always put our people first. Embarking on a career with WeLab means being part of the driving force to make financial services accessible for everyone. In our flat and agile organization, you will get all the opportunities to make real impacts and deliver change. Most importantly, while you achieve greatness, we will ensure you have an amazing experience at WeLab! Our team is energetic and passionate who can deliver and execute, and we are looking for intellectually curious, open-minded, and smart-working individuals who are just as passionate as we are about making financial services enjoyable. Join us to build a better financial future for everyone! About You: You're a go-getter with mad juggling skills (or multiple hats) who can thrive in a fast-paced, agile environment You enjoy doing purpose-led and meaningful work You have a strong thirst for knowledge and are driven to find solutions that don't exist yet You are comfortable with ambiguity and extremely resourceful (in your past life, you could've been a detective) You always find a way to get things done without sacrificing the quality of your work, integrity, and values No task is off limits for you You are humble and prioritize the success of the team over your own with an eagerness to help those around you You don't shy away from challenges and can bounce back from setbacks What you’ll do and what success looks like in this role We are seeking a seasoned credit risk professional with strong hands-on experience in the money lending / consumer finance industry to lead portfolio strategy, credit risk management, and analytics for our unsecured retail lending business . Credit Risk & Portfolio Strategy Analyze business performance, lending portfolio trends, and customer behavior to identify opportunities and risks. Conduct business diagnostics and root-cause analysis to generate actionable recommendations for portfolio optimization. Develop portfolio strategies that balance business growth, profitability, and risk management objectives Evaluate lending initiatives and business proposals to ensure alignment with bank's risk appetite Data Analytics & Decision Support Leverage data analytics, modelling techniques, and market intelligence to support strategic decision-making. Prepare management reports, portfolio insights, and performance dashboards for senior stakeholders. Conduct portfolio segmentation, forecasting, and scenario analysis to support business planning. Utilize analytical tools and predictive techniques to improve portfolio quality and commercial outcomes. Market & Strategic Insights Conduct market research to identify emerging trends Translate market intelligence and portfolio insights into business strategies Support product development through analytical evaluation and strategic input. Collaborate closely with Business, Product, Marketing, Finance, Operations, Collections, and Data teams to drive portfolio initiatives. Present analytical findings and strategic recommendations to senior management. Lead or participate in cross-functional projects relating to lending growth, portfolio optimization, and risk management. Stakeholder Management Collaborate closely with Business, Product, Marketing, Finance, Operations, Collections, and Data teams to drive portfolio initiatives. Present analytical findings and strategic recommendations to senior management. Lead or participate in cross-functional projects relating to lending growth, portfolio optimization, and risk management. What is required and what we’re looking for Minimum 10 years in credit risk management and portfolio analytics, with a preference for candidates from money lending or consumer finance backgrounds Bachelor’s degree or above in Finance, Economics, Statistics, Data Science, Mathematics, or a related quantitative discipline Proven track record in designing and analyzing credit decisions, or risk models that drives healthy business outcomes while controlling risks. Excellent collaboration and influence skills, with experience navigating matrixed environments across business, product, tech, and compliance functions. Proactive, adaptable, and resilient in a fast-paced fintech environment with strong ownership mindset. Hands-on proficiency in SQL and Python (or R/SAS) for portfolio analytics; experience with BI tools (Power BI/Tableau) and exposure to machine learning techniques applied to credit risk is a strong plus. Perks and Benefits to enrich your experience at WeLab: Learning and development stipend - we value lifelong learning and believe the best way to invest in our employees is to encourage them to continue to learn Wellness and happiness – Numerous activities to let you focus on your physical and mental wellbeing. We allow flexible time offs to take care of personal matters and to enjoy time with family and friends Comfortable and positive work environment – Open plan office for easy collaboration and social with your colleagues, or branch out into your own thinking pods when needed, with FREE food and drinks for when you want to recharge Work smart, play hard – Connect with your colleagues over food and drinks at the stocked pantry, in the spacious social area with board games and a ping pong table, or over activities like hiking, yoga, badminton, etc. A big and contagious smile on everyone’s face to make you happier :) WeLab’s Awards & Recognitions: Asia Banking Finance Retail Banking Awards: Virtual Bank of the Year - Hong Kong CNBC Disruptor 50: the only Hong Kong-based company on the list Financial Times Asia-Pacific High-Growth Companies: #2 in ranking The Chinese University of Hong Kong “Corporate Innovation Index”: #1 in ranking We offer a competitive salary package to the successful candidate. If you are interested in joining this exciting team, please apply with resume via the "Apply" button below. All information provided by applicants will be used for recruitment purposes only. Information of unsuccessful applicants will be destroyed within 24 months of receipt.