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Experience:

5 years required

Skills:

Multitasking, Accounting, Teamwork, Python, SQL, English, Thai

Job type:

Full-time

• LINE MAN Wongnai is Thailand's Leading On-Demand Delivery and Lifestyle e-Commerce platform services. We build technology to help Thai people live better. We empower all local businesses by creating an end-to-end ecosystem through our channel LINE MAN and Wongnai to connect and improve the daily life of consumers, riders, and local businesses nationwide. And because we are local, we provide the deepest variety and services that are tailor-made for Thai people.
• We are looking for an experienced Data Scientist to lead the science behind our Fina ...
• Credit Risk Modeling & Measurement.
• Develop, implement, and maintain core credit risk models, including application scorecards, behavioral models, and PD / LGD / EAD estimation frameworks.
• Leverage diverse data sources transactional, behavioral, financial, sequential and alternative unstructured data for feature engineering and model innovation.
• Own ECL measurement and monitoring, ensuring models accurately reflect portfolio risk across products, cohorts, and vintages.
• Design robust model evaluation, back-testing, and recalibration processes to maintain performance under changing borrower behavior and market conditions.
• Quantify and manage trade-offs between disbursement growth, risk appetite, and profitability.
• Experimentation.
• Design and analyze controlled experiments or policy tests (e.g., limit changes, approval threshold adjustments) to measure causal impact on risk and profitability.
• Ensure changes to credit policies are supported by rigorous evidence and clearly understood risk implications.
• Cross-Functional Collaboration.
• Partner closely with the business team, product, engineering, accounting and operations to align modeling outputs with operational constraints and business objectives.
• Support model governance, documentation, and audit requirements, including alignment with internal risk frameworks and regulatory expectations.
• Bachelor Degree in Computer Science, Statistics, Quantitative Finance, Economics, or related fields.
• 5+ years of experience in data science, credit risk, or quantitative modeling; experience in BNPL, consumer lending, or fintech is strongly preferred.
• Strong understanding of PD, ECL, and portfolio risk concepts, with the ability to visualize and translate them into practical business decisions.
• Strong Python and SQL skills.
• Great communication skills, organization skills, multitasking and teamwork.
• Good command of English and Thai.

Experience:

5 years required

Skills:

Financial Analysis, Accounting, English, Thai

Job type:

Full-time

• Perform due diligence and provide credit recommendation of debenture issuers for Debt Capital Market and related teams, as well as performing credit screening process for potential issuers.
• Provide value-added credit rating related services as part of new client acquisition and existing client's relationship. Our unique credit advisory service advises our clients on their credit profile from preliminary credit rating assessment, advising on credit rating process and preparation, and advising on potential impact of corpor ...
• Role and Responsibilities / หน้าที่ความรับผิดชอบ.
• Analyze the creditworthiness of debenture issuers across diverse industries, including both corporate and financial institutions.
• Conduct comprehensive credit assessments, including financial analysis, qualitativeevaluation, management interviews, report writing, and stakeholder presentations.
• Assess credit rating implications, including shadow ratings for unrated clients, and provide advisory on capital structure and rating impact.
• Apply and effectively communicate in-depth knowledge of credit rating methodologiesfrom major rating agencies.
• Bachelor's or Master's degree in Accounting, Finance, or a related field.
• 3-10 years of relevant experience in credit analysis, equity research, auditing or related fields.
• Strong analytical skills with the ability to evaluate creditworthiness; familiarity with credit rating frameworks is an advantage.
• Good command of business writing and presentation in both Thai and English.
• Fast learner with strong attention to detail; able to work independently in a small team and perform well under pressure with tight deadlines.
• Specific knowledge and skill / ความรู้เฉพาะตำแหน่ง.
• Apply now ".

Job type:

Full-time

• Prepare and submit high-quality underwriting recommendations for JPC/MNC corporate customer transactions to the appropriate approval authority and/or Credit Committee. Also prepare underwriting recommendations for MUFG pre-consultation, where applicable.
• Review credit ratings and financial spreading analyses to ensure the appropriateness of customers' risk profiles.
• Review cash flow projections and sensitivity analyses.
• Prepare and present proposed transactions to the Line Manager and senior management.
• Coach and provide guidance to junior UW staff (for Senior UW positions).
• Provide support for internal and Bank of Thailand (BOT) stress testing exercises.
• Collaborate with the Risk Management Group to review and enhance various credit-related policies and procedures, including the Delegation of Authority (DOA).
• Perform any other duties assigned by the Bank or the Line Manager..
• Bachelor's or Master's degree in Business Administration, Finance, Accounting, or a related field.
• Credit analysis skills. Prior experience as a credit analyst is preferred.
• Good command of English, both written and spoken.
• Proficient in Microsoft Office applications, particularly Word, PowerPoint, and Excel.
• Communication and interpersonal skills.
• Problem-solving and decision-making skills.