Credit Risk Manager

About Mox

Mox is built by and for the ones who aspire to live life to the fullest – we call them Generation Mox!

The name Mox reflects the endless opportunities we can create, - Mobile eXperience; Money eXperience; Money X (multiplier), eXponential growth, eXploration… it’s all up for us to define together.

Why Mox

Mox helps you grow – your money, your world, your possibilities. We equip you with the financial management tools, information and insights you need to make your dreams, big or small, come true.

Everything at Mox – from our products, features, to rewards – is designed based on customer research, tailor made for your needs. We care about what customers care about, especially in data security and privacy. Data ethics is core to everyone here at Mox.

Mox rewards you with an array of banking and lifestyle benefits. Who says banking can’t be fun?

Who are we looking for?

We are currently looking for Credit Risk Manager to Work with the Head of Credit Risk to design strategies throughout the credit life-cycle, including acquisition, portfolio management, and collections.

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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.

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

  • Design and prepare MIS reporting, conduct data analysis and issues investigation.

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

  • Ensure compliance with local governance requirement and processes.

Requirements

  • Minimum 5 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 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.