WeLab Bank - Senior Manager, Credit Analytics

WeLab, a leading pan-Asian fintech platform, operates two digital banks (WeLab Bank and Bank Saqu) as well as multiple online financial services in Hong Kong, Mainland China, and Indonesia, with over 70 million individual users and over 700 enterprise customers. WeLab uses game-changing technology to help users access credit, save money, and enjoy their financial journey.
At WeLab, we always put our people first. Embarking on a career with WeLab means being part of the driving force to make financial services accessible for everyone. In our flat and agile organization, you will get all the opportunities to make real impacts and deliver change. Most importantly, while you achieve greatness, we will ensure you have an amazing experience at WeLab!
Our team is energetic and passionate who can deliver and execute, and we are looking for intellectually curious, open-minded, and smart-working individuals who are just as passionate as we are about making financial services enjoyable.
Join us to build a better financial future for everyone!
About You:
You're a go-getter with mad juggling skills (or multiple hats) who can thrive in a fast-paced, agile environment
You enjoy doing purpose-led and meaningful work
You have a strong thirst for knowledge and are driven to find solutions that don't exist yet
You are comfortable with ambiguity and extremely resourceful (in your past life, you could've been a detective)
You always find a way to get things done without sacrificing the quality of your work, integrity, and values
No task is off limits for you
You are humble and prioritize the success of the team over your own with an eagerness to help those around you
You don't shy away from challenges and can bounce back from setbacks
What you’ll do and what success looks like in this role
We are seeking a seasoned credit risk professional with strong hands-on experience in the money lending / consumer finance industry to lead portfolio strategy, credit risk management, and analytics for our unsecured retail lending business.
Credit Risk & Portfolio Strategy
Analyze business performance, lending portfolio trends, and customer behavior to identify opportunities and risks.
Conduct business diagnostics and root-cause analysis to generate actionable recommendations for portfolio optimization.
Develop portfolio strategies that balance business growth, profitability, and risk management objectives
Evaluate lending initiatives and business proposals to ensure alignment with bank's risk appetite
Data Analytics & Decision Support
Leverage data analytics, modelling techniques, and market intelligence to support strategic decision-making.
Prepare management reports, portfolio insights, and performance dashboards for senior stakeholders.
Conduct portfolio segmentation, forecasting, and scenario analysis to support business planning.
Utilize analytical tools and predictive techniques to improve portfolio quality and commercial outcomes.
Market & Strategic Insights
Conduct market research to identify emerging trends
Translate market intelligence and portfolio insights into business strategies
Support product development through analytical evaluation and strategic input.
Collaborate closely with Business, Product, Marketing, Finance, Operations, Collections, and Data teams to drive portfolio initiatives.
Present analytical findings and strategic recommendations to senior management.
Lead or participate in cross-functional projects relating to lending growth, portfolio optimization, and risk management.
Stakeholder Management
Collaborate closely with Business, Product, Marketing, Finance, Operations, Collections, and Data teams to drive portfolio initiatives.
Present analytical findings and strategic recommendations to senior management.
Lead or participate in cross-functional projects relating to lending growth, portfolio optimization, and risk management.
What is required and what we’re looking for
Minimum 10 years in credit risk management and portfolio analytics, with a preference for candidates from money lending or consumer finance backgrounds
Bachelor’s degree or above in Finance, Economics, Statistics, Data Science, Mathematics, or a related quantitative discipline
Proven track record in designing and analyzing credit decisions, or risk models that drives healthy business outcomes while controlling risks.
Excellent collaboration and influence skills, with experience navigating matrixed environments across business, product, tech, and compliance functions.
Proactive, adaptable, and resilient in a fast-paced fintech environment with strong ownership mindset.
Hands-on proficiency in SQL and Python (or R/SAS) for portfolio analytics; experience with BI tools (Power BI/Tableau) and exposure to machine learning techniques applied to credit risk is a strong plus.
Perks and Benefits to enrich your experience at WeLab:
Learning and development stipend - we value lifelong

Employment type
Full-Time

Work arrangement
No