Senior Data Analyst, Country Credit Risk at Grab

Get to know the team Join the GFin Lending team at Grab – a high-velocity team dedicated to expanding financial access across Malaysia. We are the architects behind Grab's consumer lending ecosystem, ensuring that our Retail products—including BNPL (PayLater) and Cash Loans—are both accessible to our users and sustainable for our business. Our culture is deeply analytical, collaborative, and fast-paced, where we leverage data-driven insights to balance risk and drive financial inclusion.   Get to know the role Reporting directly to the Head of Credit Risk for Malaysia, you will be the strategic lead for the Retail Credit Risk vertical. Your mandate is to ensure the retail lending portfolio meets its P&L targets through disciplined risk-reward optimization. This is a "Segment CEO" style role where you will own the end-to-end credit strategy, navigating a complex matrix of stakeholders to safeguard the health of our front-book. This role is based onsite in our Petaling Jaya office.   The Critical Tasks You Will Perform • Strategic P&L Ownership: Architect and implement retail credit risk strategies (BNPL, Cash Loans) to hit P&L targets and maximize Risk-Adjusted Returns (RAR). • Technical Policy Execution: Define risk segments and whitelisting logic, ensuring policy intent is accurately mirrored in the Credit Decision Engine (CDE) through rigorous UAT. • Portfolio Surveillance & Deep Dives: Lead pro-active monitoring and technical deep-dives using SQL/Python to analyze front-book impact, vintage performance, and flow-to-loss rates. • Stakeholder Orchestration: Collaborate with Product, Engineering, Data Science, and D&A to align technical data pipelines with credit strategy and business growth. • Forecasting & Provisioning: Manage risk model parameters (PD/LGD/EAD), backtesting, and provisioning calculations to ensure accurate financial exposure reporting.