We are looking for a highly skilled and experienced CreditTech Manager to join our dynamic team. The idea candidate will be responsible for managing credit risk portfolio associated with our financial products and services. This role requires a deep understanding of credit risk management to support various departments in optimizing the Financial service business model.
What you will do
Collaborate with AI/Modelling team & other teams to:
Ensure credit risk of eachlending product is within its target without significant sacrifice of salespool (including but not limited to regular review & implement newinitiatives on internal decision engine, fraud triggers, third party dataimplementation & collection efficiency);
Ensure pre- approval mechanicsand approval rate is highly optimized over- time;
Maximize & acceleraterepeated sales for each existing product portfolio;
Ensure the balance betweenCustomer Experience (Application drop rate, Approval TAT, Decision enginetimeout, etc.) and Effectiveness of Risk Management Activities which will beimplemented from onboarding process to soft collection process;
Partly responsible for each Product P&L (Collectedfee/interest – Credit loss – Alternative data cost);
Partner with product, marketing, and operations teams toalign credit risk strategies with business objectives.
Responsible for Credit Portfolio Reporting.
Manage a team of Credit Risk Analytic: Lead and manage team,providing guidance, support, and professional development.
Engage with stakeholders to ensure effective communicationand coordination across departments.
Provide insights and recommendations to support thedevelopment and enhancement of credit products.
What you will need
Solid understanding/experience of third- party data/scoringimplementation;
A data- driven approach to problem solving;
A creative approach for risk management activities;
3+ years of experience in Credit Risk Management of DigitalLending/ Unsecured Lending;
Ability to deal with stressful situations.
Good negotiation skills;
Detail oriented;
Good communication skills;
Highly motivated, eager to learn and work hard, good teamworking skill;
University degree holder or above in Finance, Economics,Accountancy or related discipline;
Experience working with digital lending product for massedconsumer market is a nice to have;
A strong understanding of lending products, risk portfoliomanagement;
A desire to move quickly and grow in a fast- pacedenvironment;
