Credit Risk Manager/Assistant Manager

Work with the Head of Credit Risk to design strategies throughout the credit life-cycle, including acquisition, portfolio management, and collections. Previous credit policy experiences a plus.

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Responsibilities
  • Work with the Head of Credit Risk to design strategies throughout the credit life-cycle, including acquisition, portfolio management, and collections. Previous credit policy experiences a plus.

  • Responsible for implementation of the agreed strategies into decision engine. Previous decision engine experiences a plus.

  • Deeply understand business logic and build/modify business indicators which can help risk management team to find and locate risk factors accurately.

  • Analyse business data to deeply learn customer behaviour and find improvement points for business growth. Improve our business performance via data driving analysis

  • Responsible for data collecting and cleaning in preparing monitoring on key risk performance metrics (e.g. delinquency ratios, loss ratios, etc)

  • Perform credit portfolio analysis, prepare periodic and ad-hoc risk reports

  • Assist to develop and update relevant risk management and risk control policies or procedures

  • Ensure compliance with local governance requirement and processes

Requirements
  • Minimum 3 years of consumer credit management experience covering Unsecured Lending

  • Previous acquisitions or portfolio management credit policy experiences, and/or decision engine experiences is a plus.

  • Familiar with SAS, Python, proficient in SQL or at least one scripting language; Strong professional knowledge of data statistics and data mining

  • Sharp business acumen (including ability to assess risk and appropriate levels of return), excellent interpersonal skills

  • Demonstrated track record in successful management and ability to manage risk.

  • Awareness and understanding of the regulatory framework in which the firm operates, and the regulatory requirements

  • Have good technical ability, learning ability, innovation ability, communication ability and teamwork ability.