A rapidly growing fintech company in Bangkok is seeking an experienced Head of Risk to lead its credit risk, underwriting, and provisioning strategy across a fast‑scaling digital lending portfolio.

This pivotal role offers you the chance to shape enterprise-wide risk frameworks, drive sustainable growth, and ensure robust governance across all aspects of risk. As a key member of the leadership team, you will collaborate closely with Product, Data, Finance, and Operations to embed risk into every facet of the lending strategy while supporting responsible portfolio expansion. The organisation values a collaborative and data-driven approach, providing an environment where your expertise in IFRS 9, credit analytics, and stakeholder management will be highly valued. If you are passionate about building high-performing teams and influencing strategic direction in a supportive workplace that champions innovation and responsible growth, this opportunity is designed for you.

* Strategic leadership position overseeing all aspects of credit risk, provisioning, and portfolio performance within a fast-growing digital lending business based in Bangkok.
* Collaborative work culture that encourages knowledge sharing and close partnership with cross-functional teams including Product, Data, Finance, and Operations.
* Opportunity to make a significant impact by shaping risk strategy, optimising risk-adjusted returns, and ensuring strong governance standards throughout the organisation.

What you'll do:

As Head of Risk, you will play a central role in shaping the future of digital lending by embedding rigorous risk management practices at every stage of the customer journey. Your day-to-day responsibilities will involve collaborating with cross-functional teams to design robust frameworks that balance growth ambitions with prudent governance. You will be instrumental in developing sophisticated analytical tools for monitoring portfolio health while ensuring compliance with evolving regulatory standards. By fostering a culture of transparency and continuous improvement within your team, you will help drive responsible expansion while safeguarding organisational interests. Your ability to translate complex data into strategic recommendations will be crucial in maintaining optimal performance across all lending activities.

* Lead the development and execution of the enterprise risk management framework covering credit, fraud, and operational risks across the organisation.
* Define comprehensive risk policies, set clear risk appetite thresholds, and establish governance structures aligned with both business objectives and regulatory requirements.
* Establish key risk indicators (KRIs) and early-warning systems to proactively monitor portfolio performance and identify emerging risks.
* Oversee credit risk management throughout the entire lending lifecycle including origination, underwriting, ongoing monitoring, collections, and recoveries.
* Drive the enhancement of credit scoring models, segmentation strategies, and decision rules to support data-driven decision making.
* Monitor portfolio metrics such as non-performing loans (NPLs), default rates, and losses while providing actionable insights to senior leadership.
* Own the end-to-end provisioning process including Expected Credit Loss (ECL) modelling under IFRS 9 standards.
* Partner with Finance to ensure accurate provisioning calculations and transparent financial reporting processes.
* Lead advanced portfolio analytics initiatives including stress testing and scenario analysis to inform overall risk strategy.
* Engage regularly with auditors, regulators, internal governance committees, and build a high-performing risk team through supportive leadership.

What you bring:

To excel as Head of Risk in this forward-thinking digital lending environment, you will bring extensive experience from similar roles within financial services or fintech sectors. Your background should reflect deep technical knowledge of credit risk assessment techniques alongside practical expertise in IFRS 9 provisioning frameworks. You will have demonstrated success building collaborative relationships across diverse teams-translating complex analytical findings into actionable business strategies. Your interpersonal skills will enable you to engage constructively with both internal stakeholders and external partners such as regulators or auditors. A passion for mentoring others combined with a commitment to continuous learning ensures you can foster an inclusive team culture focused on shared goals. Your ability to adapt quickly to changing market conditions while upholding rigorous governance standards will set you apart as an invaluable asset to the organisation.

* Bachelor's degree in Finance, Risk Management, Economics, Statistics or related field; Master's or MBA preferred for deeper subject matter expertise.
* 8-12+ years' experience managing credit risk or provisioning within financial services, lending institutions or fintech environments.
* Demonstrated expertise in IFRS 9 / ECL provisioning frameworks with hands-on experience implementing these methodologies at scale.
* Proficiency in developing data-driven credit models using tools such as Excel, SQL, Python or R for advanced analytics.
* Comprehensive understanding of credit risk metrics including portfolio performance analysis and provisioning methodologies relevant to digital lending platforms.
* Proven track record leading teams effectively while nurturing collaboration across multiple departments such as Product, Data Science, Finance and Operations.
* Strong stakeholder management skills enabling effective communication with auditors, regulators and internal governance bodies.
* Experience designing KRIs and early-warning indicators for proactive portfolio monitoring is highly desirable.
* Certifications such as FRM (Financial Risk Manager) or data analytics credentials (e.g., SQL, Python, Power BI) are advantageous but not mandatory.

What sets this company apart:

This company stands out as a leader in digital lending by prioritising responsible growth through robust governance frameworks and innovative use of data analytics. The company fosters a collaborative environment where knowledge sharing is encouraged across all levels-from product development through operations-ensuring everyone feels connected to the broader mission. Employees benefit from flexible working opportunities that support work-life balance alongside access to ongoing training programmes designed to enhance professional development. The leadership team is committed to creating an inclusive workplace where every voice is heard and contributions are recognised. With a focus on sustainable expansion rather than short-term gains, this organisation offers you the chance to make a meaningful impact while advancing your career within one of Southeast Asia's most exciting fintech markets.

What's next:

If you are ready to take on a strategic leadership role where your expertise can truly shape the future of digital lending risk management-this is your moment!

Apply today by clicking on the link provided-your next career-defining opportunity awaits.

Desired Skills and Experience

Risk, credit risk, early loan calculation, strategy, leadership, fintech, underwriting, analysis, data

Due to the high volume of applications, our team will only be in touch if your application is shortlisted.

Robert Walters Recruitment (Thailand) Limited
Recruitment License No.: น. 1188 / 2551

Robert Walters

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