Director/Head of Credit Risk & Portfolio Management

About LINE MAN WongnaiLINE MAN Wongnai is Thailand’s Leading On-Demand Delivery and Lifestyle e-Commerce platform services. We build technology to help Thai people live better, to empower all local businesses by creating an end-to-end food ecosystem through our channel LINE MAN and Wongnai. Connected consumers, riders, and local businesses and improved the daily life of all parties with restaurants nationwide. And because we are local, we provide the deepest variety and services that are tailor-made for Thai people.The Director/Head of Risk & Portfolio is a senior leadership role responsible for the end-to-end credit risk lifecycle. You will oversee the design of underwriting policies that drive volume and the analytical monitoring of the existing portfolio to ensure long-term profitability and predictability.What You’ll Do:1. Underwriting & Policy OversightRisk Budget Optimization: Define and manage the risk budget, focusing on optimizing usage to meet business targets rather than simply minimizing riskCredit Decision Logic: Own the development and refinement of approval rules, credit cut-offs, limit assignments, and pricing logicTop-of-Funnel Monitoring: Continuously monitor the "through-the-door" applicant mix to ensure the incoming applications and bookings align with the policy and detect any drifts2. Portfolio Strategy & ManagementHealth & Predictability: Ensure the overall loan portfolio remains healthy and performs within risk appetite and forecasts.Performance Analytics: Oversee the tracking of critical metrics, including vintages, roll-rates, customer segments, and score bands.Strategy Calibration: Lead the recommendation process for when to "tighten" or "expand" credit policies based on real-time portfolio performanceForecasting Accuracy: Take full accountability for the accuracy of portfolio's performance forecasts to work closely with the P&L owner3. Strategic LeadershipCross-Functional Collaboration: Partner closely with the Business/Commercial lead to co-own product policies that enable healthy growth within risk-adjusted marginGovernance: Participate in the governance framework, providing expert risk-based perspectives for high-level decision-makingWhat You’ll Need:10+ years of experience in Credit Risk Management, specifically within unsecured lending or fintech environmentsDeep expertise in credit bureau data, scoring models, and portfolio vintage analysisProven commercial competency to drive "Risk-Adjusted Margin" rather than just loss avoidanceExperience managing multi-functional teams (Policy and Portfolio Analytics)