Evaluate and underwrite credit for SME and enterprise financial products, monitor portfolio performance, and develop scalable credit risk frameworks. Collaborate with Commercial, Product, and Compliance teams to design data-driven underwriting and monitoring processes, identify AI-driven automation opportunities, and establish governance for automated decisions while ensuring alignment with risk appetite and regulatory expectations.

Assess and manage financial risk (chargebacks) for enterprise merchants, improve risk management framework, lead cross-functional projects, advise credit risk committee, and collaborate with Product, Legal, and Commercial teams.