Toa Payoh - Senior Credit Officer

About The Company

Founded in 2015 to address the unmet financing needs of SMEs, Validus is the leading all-in-one SME financing platform in Southeast Asia today, providing small businesses with faster and effortless one-stop financial solutions. Headquartered in Singapore, we’re present in 4 markets – Indonesia, Singapore, Thailand and Vietnam.

Validus is backed by top-tier VCs and strategic investors including leading banks from Japan and Korea.

In recognition of our innovation and contribution towards SME lending transformation, Validus has won several notable accolades, including 1st place (Singapore Financial Institution), 1st runner-up (Singapore FinTech), SFF Global Fintech Leader, Top 10 FinTech Leaders Awards, LinkedIn Top 15 Startups in Singapore, and more.

• Assist in developing and implementing credit risk management strategies and policies in line with industry best practices and regulatory requirements.
• Evaluate creditworthiness of potential borrowers through comprehensive financial analysis, credit scoring models, and assessment of collateral and guarantees.
• Conduct thorough credit risk assessments on new and existing customers, reviewing credit applications and financial statements to determine credit limits, terms, and conditions.
• Monitor and analyzing credit exposure and portfolio performance, identifying and reporting potential credit risks and deviations from established credit policies.
• Assist in implementing effective credit risk monitoring tools and systems to track and manage credit exposures, including early warning indicators and credit risk metrics.
• Collaborate with internal stakeholders, such as underwriters, relationship managers, and collections teams, to provide credit risk insights and recommendations for credit decisions and collections strategies.
• Stay up to date with industry trends, regulatory changes, and emerging credit risks, and assess their impact on the credit portfolio.
• Ensure compliance with relevant regulatory requirements and internal credit policies and procedures.
• Assist in preparing and presenting credit risk reports to senior management and other stakeholders, highlighting key risk trends, portfolio performance, and recommendations for risk mitigation.
• Develop and maintain strong relationships with external stakeholders, such as credit bureaus, auditors, and regulatory authorities.

• Bachelor's degree in finance, economics, business administration, or a related field. A master's degree or professional certification in risk management is a plus.
• Min. 3 to 5 years of experience in banking, with a focus on Credit Risk Management in Corporate Banking.
• Proven experience in credit risk management, preferably in a financial institution or lending environment.
• In-depth knowledge of credit risk assessment methodologies, credit scoring models, and underwriting principles.
• Strong understanding of regulatory requirements and industry best practices related to credit risk management.
• Proficient in financial analysis, including the evaluation of financial statements, cash flow analysis, and financial ratios.
• Excellent analytical and problem-solving skills, with the ability to interpret complex data and make sound credit risk decisions.
• Solid understanding of credit risk monitoring tools and systems, and experience in implementing and utilizing them effectively.
• Strong communication and interpersonal skills, with the ability to collaborate and build relationships with internal and external stakeholders.
• Attention to detail and ability to work under pressure in a fast-paced environment.
• Strong organizational and time management skills, with the ability to prioritize and manage multiple tasks simultaneously.