Role Summary

The Risk & Credit Review Specialist is responsible for reviewing mobile instalment and digital lending transactions, assessing customer and portfolio risk, and supporting credit decision-making through data analysis and investigations. The role contributes to maintaining portfolio quality and strengthening PalmPay’s risk control framework.

Key Responsibilities

• Review and assess mobile instalment and digital lending transactions in line with approved risk policies
• Conduct credit and business investigations using data analysis, telephone verification, and, where necessary, on-site checks
• Identify risk trends, anomalies, and potential fraud through portfolio and device-level analysis
• Perform portfolio risk assessments based on default rate contribution
• Analyse devices sold against default rate contribution and flag unusual or emerging trends
• Provide approval recommendations, feedback, and improvement suggestions to enhance credit processes and risk policies
• Prepare and submit risk and credit review reports to management
• Perform other duties assigned by the Risk or Credit Management team

Qualifications & Experience

• Bachelor’s degree in finance, Accounting, Economics, Mathematics, Business Administration, or a related field
• 0–3 years’ experience in credit review, risk control, banking, fintech, or microfinance
• Prior experience in bank credit review or risk management is an added advantage

Skills & Competencies

• Strong data analysis and risk assessment skills
• Good judgment and problem-solving ability
• High attention to detail and accuracy
• Strong written and verbal communication skills
• Proficiency in Microsoft Excel and data analysis tools
• Ability to work independently and as part of a team in a fast-paced environment

Knowledge & Attributes

• Understanding of credit risk, portfolio management, and digital lending
• Familiarity with fintech or mobile installment products is an advantage
• Strong sense of responsibility, integrity, and professionalism

• Review and assess mobile instalment and digital lending transactions in line with approved risk policies
• Conduct credit and business investigations using data analysis, telephone verification, and, where necessary, on-site checks
• Identify risk trends, anomalies, and potential fraud through portfolio and device-level analysis
• Perform portfolio risk assessments based on default rate contribution
• Analyse devices sold against default rate contribution and flag unusual or emerging trends
• Provide approval recommendations, feedback, and improvement suggestions to enhance credit processes and risk policies
• Prepare and submit risk and credit review reports to management
• Perform other duties assigned by the Risk or Credit Management team

• Strong data analysis and risk assessment skills
• Good judgment and problem-solving ability
• High attention to detail and accuracy
• Strong written and verbal communication skills
• Proficiency in Microsoft Excel and data analysis tools
• Ability to work independently and as part of a team in a fast-paced environment

• Bachelor’s degree in finance, Accounting, Economics, Mathematics, Business Administration, or a related field
• 0–3 years’ experience in credit review, risk control, banking, fintech, or microfinance
• Prior experience in bank credit review or risk management is an added advantage
• Understanding of credit risk, portfolio management, and digital lending
• Familiarity with fintech or mobile installment products is an advantage
• Strong sense of responsibility, integrity, and professionalism