Risk Modelling Analyst

Are you an enthusiastic, young-at-heart individual who thrives in a fast-paced work environment with a dynamic team? Are you passionate about advancing your career in the fintech industry? If so, Gimo is the right place for you.
At Gimo, we are on a mission to make financial access easier for millions of workers across Vietnam and SEA. As a pioneer in Earned Wage Access (EWA), we’re changing the way employees get paid – giving them instant access to their earnings and reducing financial stress for those who need it most. But we’re not stopping there. By understanding the real challenges workers face, we are creating practical and responsible financial solutions that help improve their daily lives.
Today, over 700,000 employees from 100+ businesses trust Gimo to take control of their finances, and this number is growing every day. By joining us, you will be part of a team that is shaping a future where financial security is within reach for everyone. Let’s build something meaningful together.
Today, over 700,000 employees from 100+ businesses trust Gimo to take control of their finances. By joining us, you will be part of a team shaping a future where financial security is within reach for everyone.

Apply This Position

Key Responsibilities

1.Credit Risk Modeling & Monitoring

Build and validate risk measurement models (PD, LGD, EAD, internal rating, customer behavior).
Conduct model performance monitoring and recalibration.
Participate in developing internal regulations related to risk models.

2. Risk Analysis & Reporting

Perform comprehensive risk assessments of lending portfolios (delinquency rates, roll rates, early warning signals).
Analyze impact of credit policies on portfolio performance and customer segmentation.
Prepare and present reports (Portfolio Quality, scorecard performance) in English.
Document methodologies, guidelines, and findings.

3. Data Management & Infrastructure

Develop and maintain data marts to support analytics.
Ensure data integrity through validation and cleaning.
Maintain clear documentation of data flows and transformations.

4. Team & Cross-functional Collaboration

Collaborate with business units to ensure effective model implementation.
Support junior analysts and contribute to team capability building.

Key Qualifications

3+ years of experience in risk analysis, data analysis, or related role (banking/consumer finance preferred).
Experience with unsecured lending products and credit analysis.
Proficiency in Python, R, SQL.
Strong English communication skills.
Bachelor’s degree or higher in Finance, Banking, Data Analytics, or Quantitative Economics.
FRM certification is a plus.

Why join us?

Be part of a purpose-led company improving financial lives across Vietnam;
Learn directly from founders and senior leaders, take on real responsibilities from day one;
Attractive salary and performance-based bonuses;
ESOP (employee stock option plan) — become an owner, not just an employee;
Premium PTI healthcare package and annual wellness check;
Yearly company trip, team-building events, weekly happy hours;
Personalized training, learning stipends, and leadership mentorship;
A dynamic, inclusive and supportive work environment that values transparency and initiative.

We would love to hear back from you! Send us an introduction of yourself along with your resume to: [email protected]