Senior Credit Risk Specialist

About AIR8An LFX digital venture, Air8 is building an insight-based technology platform that capitalizes on Li & Fung’s ecosystem with more than 118 years of supply chain experience, connecting suppliers, buyers, and funders in over 50 markets. Air8’s goal is to combine supply chain insights with financing expertise and digital technologies to channel capital to vendors. Air8’s vision is to promote sustainable financing while bridging the supply chain working capital gap.See https://air8.io/LFX is a Fung Group company, which focuses on being an incubation, investment, and operating platform providing digital solutions and digitally enabled services across the end-to-end consumer goods supply chain.See https://lfxdigital.com/Job DescriptionAs part of the global risk, credit & compliance team, we are seeking a detail-oriented and analytical Credit Underwriter to support our credit risk team. The successful candidate will play a key role in conducting credit screenings, underwriting supplier and buyer risks, monitoring post-loan activities, and assisting in various credit-related processes. This is an excellent opportunity for someone looking to build a career in credit risk and underwriting.You will learn about the client’s profile, supply chain operation and funding opportunities, plus knowledge of supply chain financing products,.Key ResponsibilitiesCredit Screening & Evaluation:Conduct preliminary credit assessments of new and existing suppliers in Asia and international buyers.Manage credit insurance limits, ensure that coverage is adequate relative to exposure and aligned with internal risk appetite.Gather and analyze financial statements, credit reports, and leveraging tech tools, alternative data and AI.Prepare credit summaries and risk ratings in line with internal policies.Credit Underwriting:Assist in the preparation of credit proposals and underwriting memos.Evaluate counterparty risk based on financial health, industry trends, and payment history.Recommend credit limits and terms based on risk assessment and internal risk policies.Post-Loan Monitoring:Monitor the financial performance and payment behavior of counterparties.Track covenant compliance and flag early warning signals.Credit Process Support:Support the implementation and improvement of credit policies and procedures.Collaborate with cross functional teams to ensure smooth credit operations.Assist in audits, reporting, and regulatory compliance as needed.RequirementsBachelor degree in accounting, statistic, math, computer science, finance or economics etc.5-8 years+ credit underwriting in financial institutions or fintech focusing on SMEs.Experiences of cross-border trade finance, receivable finance, factoring, credit insurance, supply chain solutions, SME coverage, or relevant domain expertise is preferred.Able to identify, analyze and solve problems in a very structured way.Independent, self-driven, matured, resilient, able to handle pressure.Fast learner, team spirit, adapt to multi-culture environment.Capability of communication in business English and Chinese (advantage).