Head of Risk Management

About the Company

Siam Validus is a joint venture company between SCG Distribution Co., Ltd. and an award-winning regional fintech Validus group, the largest SME Financing marketplace in Singapore. We are an SME crowdfunding platform approved by the Securities Exchange Commission Thailand (SEC) that aims to empower SMEs via debt crowdfunding and drive capital flow and investment that is essential for the growth of SMEs and Thai economy.

We invite you to explore opportunities at Siam Validus to see if your qualifications and career aspirations may fit our openings. If you are interested, please send your resume to hr@siamvalidus.co.th.

About the Role

The Head of Risk Management will report to the Chief Executive Officer (CEO) and be responsible for overseeing and implementing a robust risk management framework to support a rapidly growing SME lending portfolio on our crowdfunding platform. This role leads a team consisting of Credit Underwriting, Collections & Recoveries, and the Bondholder Representative, ensuring effective assessment, approval, and monitoring of credit risk. The ideal candidate must have hands-on experience in analyzing and approving SME credit applications, developing and implementing credit policies, managing collections & recoveries, and establishing strong risk governance practices.

Responsibilities

• Risk Strategy & Governance: Develop, implement, and oversee a comprehensive risk management framework covering credit risk, collections & recoveries, operational risk, and compliance; establish and enforce credit risk governance policies, underwriting criteria, and debt management strategies to minimize NPLs while maintaining portfolio growth; lead continuous enhancement of credit policies, scorecards, and risk models; serve as subject matter expert in operational risk management; monitor emerging risks, regulatory changes, and industry trends.
• Credit Underwriting & Approval: Analyze and approve SME credit applications with sound risk assessments and adherence to company policies; evaluate portfolio performance and optimize risk-based pricing strategies; implement advanced credit scoring models and surrogate data sources to enhance automated, data-driven decision-making.
• Collections & Recoveries Management: Oversee and drive collections & recoveries to ensure efficient delinquency management and debt recovery strategies; implement data-driven collections strategies to improve recovery rates while maintaining borrower relationships; manage escalated cases, legal recovery processes, and negotiations with external debt collection agencies; ensure compliance with debt collection regulations and best practices.
• Leadership & Team Management: Lead and manage the Risk Management team (Credit Underwriting, Collections & Recoveries, Bondholder Representative); establish clear KPIs, performance metrics, and training programs; foster a risk-aware culture and ensure strong cross-functional collaboration with Investor Relationship, Sales, Finance, Compliance, and Operations teams.
• Regulatory Compliance & Stakeholder Engagement: Ensure compliance with SEC regulations and other regulatory requirements governing the crowdfunding platform; build and maintain strong relationships with regulators, credit agencies, legal advisors, and government bodies; act as the main risk liaison for internal and external stakeholders and provide strategic risk insights to support business decisions.
• Perform any other duties assigned by management.

Qualifications

• Master’s degree in Business Administration, Economics, Finance, Engineering, Law, or related fields.
• Minimum 10 years of experience in SME or retail risk management, preferably in a fintech, banking, or financial institution environment.
• Strong experience in credit underwriting, including analysing and approving SME credit applications.
• Proven expertise in credit scorecard development, credit policy formulation, and risk governance.
• Hands-on experience in collections & recoveries management, legal recovery processes, and operational risk.
• Good knowledge of debt collection regulations, legal frameworks, and compliance requirements (SEC preferred).
• Experience managing cross-functional risk teams and external risk-related vendors.
• Strong analytical, organizational, and leadership skills, with the ability to work under pressure.
• Excellent written and verbal communication skills in Thai and English.
• Ability to work independently and collaboratively in a fast-paced fintech environment.