Portfolio Manager and Credit Approvals

1. Portfolio Management (50%)

A. Portfolio Monitoring & Early Warning Systems

• Own and manage the health and performance of FLIN's loan portfolio. 

• Design, implement, and continuously improve Early Warning Trackers (EWT) to proactively identify customers showing early signs of repayment stress. 

• Monitor customers who obtain new borrowings during their Dana Talangan repayment tenure and assess the resulting impact on repayment capacity. 

• Develop customer segmentation strategies based on repayment behaviour, risk profile, and portfolio performance. 

• Perform portfolio analytics, including: 

  • Vintage Analysis 

  • Cohort Analysis 

  • Roll Rate Analysis 

  • Cure Rate Analysis 

  • Portfolio Concentration Analysis 

• Recommend timely interventions before accounts become delinquent. 

B. Client Account Planning & Portfolio Strategy

• Develop account-level action plans for medium and high-risk customers. 

• Prioritize customer engagement based on: 

  • Probability of Default (PD) 

  • Repayment behaviour 

  • New loan obligations during Dana Talangan's tenure 

• Work closely with the Financial Literacy team to improve customer repayment behavior. 

• Collaborate with the Credit and Collections teams to recommend restructuring solutions for customers experiencing genuine financial hardship. 

• Continuously balance portfolio quality, customer outcomes, and business profitability. 

C. Overdue Portfolio Management

• Monitor overdue accounts and customers who have taken additional financing during the Dana Talangan program. 

• Coordinate closely with: 

  • Credit Analysts 

  • Collections and Financial Literacy Team 

• Recommend restructuring strategies, repayment plans, settlement options, or other account interventions where appropriate. 

• Identify systematic portfolio risks and recommend policy enhancements. 

2. Credit Approvals (50%)

A. Credit Approval Authority

• Independently assess and approve unsecured lending applications within delegated approval authority. 

• Perform comprehensive credit assessment by evaluating: 

  • Income stability 

  • Repayment capacity 

  • Existing debt obligations 

  • Banking transactions 

  • Credit bureau reports 

  • Financial behaviour 

  • Supporting documentation 

• Exercise strong commercial judgment while balancing portfolio quality and business growth. 

• Approve, decline, or recommend conditional approvals with well-documented rationale. 

• Escalate exceptional or policy deviation cases with clear recommendations. 

B. Credit Quality & Decision Governance

• Ensure all approval decisions are consistent with FLIN's credit policies and risk appetite. 

• Guide and mentor Credit Analysts on complex cases and credit decision-making. 

• Conduct periodic quality reviews of approved applications. 

• Identify fraud indicators, document inconsistencies, and emerging credit risks. 

• Recommend improvements to credit policies based on portfolio performance and underwriting observations. 

• Work closely with Data and Product teams to continuously improve credit decision rules and automation. 

3. Data Analytics & Portfolio Intelligence

• Perform deep portfolio analytics to identify emerging trends and hidden risks.  

• Analyse customer behaviour using internal and external datasets. 

• Build dashboards and management reports for senior leadership. 

• Recommend data-driven improvements to portfolio management and credit approval strategies. 

• Identify automation opportunities to improve operational efficiency. 

4. Cross-Functional Collaboration

Work closely with:

• Financial Literacy Team 

• Collections Team 

• Product 

• Data 

• Engineering

to ensure alignment between portfolio management, customer outcomes, credit quality, and business objectives.

Support new product launches by providing portfolio insights and participate in continuous improvement initiatives across the organization.

Must-Have Qualifications

• Bachelor's or Master's Degree with strong academic credentials and demonstrated academic rigor. 

• 7–9 years of experience in one or more of the following: 

  • Portfolio Management 

  • Credit Approvals 

  • Loan Restructuring 

  • Collections Strategy 

• Experience within: 

  • Fintech 

  • Digital Lending 

  • Consumer Finance 

  • Retail/ SME Banking & Non-Banks 

• Proven track record in approving SME/unsecured lending applications. 

• Demonstrated experience managing loan portfolios at scale. 

• Hands-on experience developing and managing Early Warning Systems. 

• Experience restructuring delinquent customer accounts. 

• Strong understanding of repayment behaviour and portfolio risk management. 

• Excellent analytical capability and sound commercial judgment. 

Technical Skills

Must be proficient in:

Advanced Excel / Google Sheets (Mandatory)

• Advanced formulas 

• Dashboards 

• Pivot Tables 

• Portfolio Analytics 

• Financial Modelling 

• Scenario Analysis 

• Google Apps Script (preferred) 

Data & Analytics

• Strong working knowledge of BigQuery (mandatory) 

• Power BI or Tableau (preferred) 

• Python for portfolio analytics (good to have) 

Soft Skills

• Strong analytical and structured problem-solving skills. 

• Excellent commercial and business judgment. 

• Strong negotiation and stakeholder management capabilities. 

• Ability to make balanced credit decisions under pressure. 

• High ownership and accountability. 

• Ability to manage multiple priorities in a fast-paced environment with attention to detail.

• Collaborative leadership style with excellent cross-functional communication. 

What We Are Looking For

The ideal candidate has a proven track record of:

• Managing large consumer or SME lending portfolios. 

• Independently approving unsecured credit facilities. 

• Building and operating Early Warning Systems. 

• Performing deep portfolio analytics to improve asset quality. 

• Negotiating repayment and restructuring solutions with customers. 

• Coordinating portfolio strategies across Credit, Financial Literacy, and Collections teams. 

• Making commercially sound credit decisions with balanced risk judgment. 

• Leading portfolio interventions that improve customer outcomes while protecting portfolio profitability.