Credit Assessment & Anti Fraud Operational Risk Specialist

About Atome Financial Headquartered in Singapore, Atome Financial is building a world-class tech enabled financial services platform that is the best companion of our customers lifetime. As a part of the Advance Intelligence Group, a Series D fintech unicorn and ranked Top 10 on LinkedIn’s 2023 Top Singapore StartUps list with over 1,400+ staff worldwide, we are united by a shared vision and purpose: to Advance with Intelligence for a Better Life--for our customers, colleagues and communities. Atome Financial operates in 5 ASEAN markets (Singapore, Malaysia, Indonesia, Philippines, and Thailand). We have 3 key products:• Atome BNPL: A leading buy now pay later brand in ASEAN and partners over thousands of online and offline brands• Atome Card: A paylater anywhere card.• Kredit Pintar: A leading Indonesia digital lending apps, regulated and supervised by Indonesia's Financial Services Authority (OJK). Our culture is built on values that are core to who we are and what we stand for:

1. We foster an INNOVATION mindset
2. We achieve results with EFFICIENCY and excellence
3. We take pride in the QUALITY of our work
4. We uphold INTEGRITY in all we do
5. We embrace COLLABORATION to work across business lines and borders

Job Descriptions:

1.    Collect, compile and validate data from various sources to ensure quality and compliance of all Credit Assessment & Anti Fraud activities to ensure adherence to policies, procedures and regulatory requirements.
2.    Collaborate with stakeholders to ensure the availability, integrity and quality of the Credit Assessment & Anti Fraud data and reporting for internal and regulator.
3.    Perform comprehensive assessment and oversight on operational risk within Credit Assessment & Anti Fraud including process deficiencies, technology vulnerabilities and human errors.
4.    Responsible for oversight operational risk management and activities in area of Credit Assessment & Anti Fraud  through communicating, validating and monitoring on the implementation of operational risk frameworks, policies and tools to ensure the effectiveness. 
5.    Conduct Risk Control and Self-Assessment (RCSA) on regular basis to minimize operational risk and maintain integrity of Credit Assessment process.
6.    Manage and investigate operational risk incidents, track root causes and develop action plans to avoid future occurrences.
7.    Communicate findings and insights to various stakeholders, including senior management and related departments for timely risk mitigation.

Job Requirements:

1.    Bachelor’s / Master’s Degree in Computer Science/IT/Statistics/Engineer/ Mathematics / Statistics / Actuary or any other related fields.
2.    Several years of experience in operational risk management, preferably in a financial service, Credit Assessment & Anti Fraud environment and unsecured loan / financing (credit card, personal loan, paylater).
3.    Strong understanding of regulatory compliance related to Credit Assessment & Anti Fraud activities.
4.    Familiar with risk assessment methodologies and tools.
5.    Proficient in writing SQL queries and / or python or other data science programming language is preferred.
6.    Fluent in written & oral English.
7.    Willing to take on new challenges and work in a fast-paced environment.

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