Risk Lead

Join the Revolution in Vietnamese Fintech!

We're a dynamic fintech startup on a mission to revolutionize how Gen Z and Millennials in Vietnam experience credit, payments and BNPL. Forget clunky processes and outdated apps – we're building a sleek, mobile-first digital credit card and PayLater experience from the ground up. Partnering with a leading bank, we combine stability with cutting-edge tech (think cool SaaS platforms + our own awesome frontend!) to deliver a product that truly understands the digital generation.

Founded by former McKinsey partners and backed by a global VC, we're on the lookout for the next generation of visionaries are not afraid of challenging the status quo. This is your chance to get in on the ground floor, shape a game-changing product, work with the latest tech (including AI!), and make a real impact in one of Southeast Asia's fastest-growing markets (and beyond). If you're ambitious, thrive in a fast-paced startup environment, and want to build something amazing, keep reading!

Role Overview:

• Be the architect of our risk brain! Develop and implement the end-to-end risk management strategy for our credit card product, balancing growth with responsible lending.

• Be the visionary of best-in-class risk practices through alternate data and behavioral segmentation (think what would you do if there was no credit bureau)

• Design and oversee the credit underwriting strategy, including defining acceptance criteria, credit limit assignment, and potentially pricing strategies, tailored for the Vietnamese market.

• Configure, test, and manage risk rules and decisioning logic within our SaaS risk engine/CMS.

• Develop and manage the fraud prevention strategy, including transaction monitoring rules, authentication methods, and fraud response procedures.

• Establish portfolio monitoring frameworks, track key risk indicators (KRIs), and develop reporting for management and our partner bank.

• Ensure compliance with relevant risk-related regulations in Vietnam. Explore and implement AI/ML models for credit scoring, fraud detection, or portfolio analysis, working closely with Data Science/AI Engineer.

Must-Have Skills & Experience:

• Significant experience (5+ years) in credit risk management, specifically in consumer lending or credit cards, within a bank or fintech in Vietnam.

• Strong understanding of credit underwriting principles, scorecard development/implementation, and credit policy creation.

• Experience with fraud prevention strategies and tools in the digital/card payments space.

• Proficiency in data analysis using tools like SQL, Python, or R for risk assessment and portfolio monitoring.

• Experience working with risk decision engines or configuring rules in risk platforms.

• Knowledge of relevant Vietnamese banking and lending regulations. Familiarity with AI/ML applications in risk management.

Good-to-Have Skills & Experience:

• Experience setting up a risk function or launching a new credit product.

• Experience with specific risk management SaaS platforms (e.g., integrated within Openway, BPC, or standalone solutions).

• Experience developing or managing collections strategies.

• Advanced degree in a quantitative field (Statistics, Economics, Finance).

• Experience building or validating ML risk models.