You will learn about the client’s profile, supply chain operation and funding opportunities, plus knowledge of supply chain financing products,.

Key Responsibilities

Credit Screening & Evaluation:

• Conduct preliminary credit assessments of new and existing suppliers in Asia and international buyers.
• Manage credit insurance limits, ensure that coverage is adequate relative to exposure and aligned with internal risk appetite.
• Gather and analyze financial statements, credit reports, and leveraging tech tools, alternative data and AI.
• Prepare credit summaries and risk ratings in line with internal policies.

Credit Underwriting:

• Assist in the preparation of credit proposals and underwriting memos.
• Evaluate counterparty risk based on financial health, industry trends, and payment history.
• Recommend credit limits and terms based on risk assessment and internal risk policies.

Post-Loan Monitoring:

• Monitor the financial performance and payment behavior of counterparties.
• Track covenant compliance and flag early warning signals.

Credit Process Support:

• Support the implementation and improvement of credit policies and procedures.
• Collaborate with cross functional teams to ensure smooth credit operations.
• Assist in audits, reporting, and regulatory compliance as needed.

Requirements

• Bachelor degree in accounting, statistic, math, computer science, finance or economics etc.
• 5 years+ credit underwriting in financial institutions or fintech focusing on SMEs.
• Experiences of cross-border trade finance, receivable finance, factoring, credit insurance, supply chain solutions, SME coverage, or relevant domain expertise is preferred.
• Able to identify, analyze and solve problems in a very structured way.
• Independent, self-driven, matured, resilient, able to handle pressure.
• Fast learner, team spirit, adapt to multi-culture environment.
• Capability of communication in business English and Chinese (advantage).