Head of Risk

Fingular is a global independent fintech holding headquartered in Singapore, established in October 2021. The company manages a diverse portfolio of fintech products, operating under its own brand or in collaboration with trusted local partners. Fingular currently operates in multiple markets, including Indonesia, Malaysia, and India. The company offers fully digital financial products — including consumer financing, investment, and savings products — tailored to meet local needs and cultural specifics.Strategy & Credit Risk Management:Develop and approve scorecards and decision rules for online and offline applications, tailored to borrower demographics and behavior in Malaysia and India.Manage the full credit lifecycle (Origination, Account Management, Collections) from a risk perspective, including setting limits, loan terms (tenor, amount), and pricing strategies.Continuously monitor and analyze key risk metrics: Approval Rate, Default Rate, Roll Rate, Portfolio at Risk (PAR 30+), Expected Credit Loss (ECL).Conduct portfolio stress testing and develop preventive action scenarios.Model Development & Validation:Lead the development, implementation, and monitoring of predictive models (Application Score, Behavioral Score, Collection Score, Fraud Score).Organize regular model validation (discrimination, stability, calibration) in line with best practices and regulatory requirements.Identify and implement alternative scoring approaches and data sources.Regulatory Compliance:Proactively monitor changes in consumer lending regulations in Malaysia and India and ensure timely implementation in processes and models.Act as a key point of contact with regulators and internal compliance teams on all risk-related matters.Fraud Risk Management:Develop and manage strategies to prevent both first-party and third-party fraud in digital lending.Implement rules and technologies for fraud detection at the application stage (document verification, biometrics, behavioral analysis).Analyze fraud patterns and continuously adapt prevention mechanisms.Data Management & Analytics:Define data requirements for scoring and reporting; collaborate with IT and Data teams to ensure data quality and availability.Apply advanced analytics (including machine learning) to improve model performance and customer segmentation.Prepare regular risk reports for management and shareholders.Team Leadership & Cross-functional Collaboration:Lead and develop a distributed team of risk managers and data scientists across two countries.Partner closely with Product, Marketing, Collections, and IT teams to embed risk strategies across the full product lifecycle.Educate commercial teams on risk management principles to balance growth and portfolio quality.Requirements:Degree in Mathematics, Economics, Finance, Statistics, or Computer Science.5+ years of experience in risk management, including at least 2 years in a leadership role (Head of Risk / Senior Risk Manager).Relevant experience in unsecured lending.Strong understanding of the full credit risk lifecycle (Origination to Collections).Proven experience in developing and implementing scoring models (Application/Behavioral) and scorecard & decision rule strategies.Proficiency in data analysis tools and programming languages (SQL, Python or R) and strong statistical knowledge.Experience working with regulators and passing audits (experience in Asian markets is a strong advantage).English level: Upper-Intermediate or higher (written and spoken communication, reporting, negotiations).What we offer:Flexible work format: remote.Opportunity to contribute to the growth of an international fintech group.