Team and Role Introduction:- Manage the end-to-end credit risk for different lending products in MY.
- Develop and optimize the end-to-end risk control framework and processes based on the regulatory requirements.
- Develop and implement effective collections strategies and procedures to maximize debt recovery while maintaining positive customer relationships.
- Manage a team of collections agents, providing guidance, support, and training as needed.Responsibilities:Lead and implement credit strategy for retail products including BNPL/Cash Loan product for one or multiple markets and take ownership of portfolio risk performance.
Conduct risk assessment on user profiles. Monitor and analyze risk indicators to fine-tune underwriting and portfolio management policy.
Prepare and analyze risk reports such as portfolio performance, industry exposure, vendor performance, and historical customer trends.
Coordinate with the modeling team on risk tools development including decision scorecards and be responsible for risk model evaluation and continuous monitoring of its performance to ensure the stability and accuracy of risk strategy.
Support conceptualization development for new credit products suitable for retail and SME markets.
Track and monitor the full credit cycle performance and risk appetite metrics.
Evaluate and influence balanced business growth in the form of policy refinement and credit testing.
Ensure compliance with regulatory requirements.
Job Requirements:- Bachelor's Degree and above in Finance, Computer Science, Statistics, Economics, or other relevant fields from a worldly recognized university with good academic credentials.
- Minimum 8 years' experience in the risk management area in a sound financial institution, with a good track record of risk performance of the managed portfolio.
- Deep understanding of the underwriting policy, limit management policy, and portfolio management policy.
- Proficiency in SQL, Python.
- Understanding of risk modeling methodology.
- Understand how to validate different risk models.#J-18808-Ljbffr