Risk Expert, Risk Strategy & Analytics - Credit

Monee is a leading digital payments and financial services provider in Southeast Asia, with a growing presence in Latin America. Its mission is to better the lives of individuals and businesses in the region with financial services through technology.

Monee delivers a comprehensive range of digital financial products and services, including mobile wallets, payment processing, credit, banking, and insurtech. By leveraging technology and strategic partnerships, Monee aims to drive greater digital financial inclusion, convenience, and accessibility for individuals and small businesses across Southeast Asia and Latin America.

Monee is part of Sea Limited, a global technology company.

• Responsible for end-to-end risk strategies including underwriting, limit assignment, risk based pricing and tenure eligibility.


• Manage the existing users’ life time value through post loan management including limit adjustment


• Develop and track key indicators from both internal and external data sources to detect abnormal risk trends and optimize risk strategies.


• Conduct data analysis on risk exposure and profitability to identify opportunities for product and strategy improvement. Provide credit risk insights and recommendations to internal teams and stakeholders.


• Assess business operations and market trends to enhance competitive positioning.


• Collaborate with Data Science, Business Development, and Product teams to launch new initiatives and grow the business while controlling risk

• Bachelor’s or Master’s degree in Math, Physics, Statistics, Quantitative Finance, Statistics, Computer Science, Economics, Business Analytics, Data Science, or other quantitative fields.


• Minimum 3 years experience in a quantitative role. Prior experience in Retail/Institutional Banking, Consumer/SME Finance, Supply Chain Finance, e-Commerce, Consulting, or Credit Ratings is a plus.


• Hands-on experience with making impactful business decision through analyzing large data set


• Experience with conducting A/B tests to verify hypotheses that lead to actionable items to improve the business


• Proficiency in SQL, Python, Excel, PPT.


• Strong attention to detail and ability to identify data inconsistencies.


• Effective communication skills to present complex insights to technical and business stakeholders.