Responsibilities:
- Lead the enhancement, iteration and implementation of credit risk management framework including underwriting, credit limit management and risk based pricing
- Monitor credit portfolios, identify risk patterns and insights, highlighting potential risks, threats as well as growth opportunities to senior management.
- Responsible for risk model evaluation and continuously seek ways to improve model and policy performance and ensure its stability and accuracy.
- Work closely with cross-functional teams such as anti-fraud, collection and modeling team to optimize end to end risk processes to ensure the success of the risk management of the portfolio
- Collaborate with Business, Product and Ops team to enhance user experience and drive revenue on new product lines. Proficiency in SQL, Python or Pyspark.
Requirements:
- Bachelor Degree and above in Finance, Computer Science, Statistics, Economics, or other relevant fields
- Minimum 8 years of working experience in risk management specializing in credit and fraud risk management in a sound financial institution.
- Comprehensive understanding of credit products and the regulatory landscape.
- Experience in underwriting policy, credit limit and portfolio management and good awareness of anti-fraud and modeling is preferred.
- Strong analytical thinking and problem solving skills.
- Excellent communication and stakeholder management skills, self driving personality
- Proficiency in SQL or Python or Pyspark
