About The Team
VN Credit risk management team is in charge of credit risk - anti-fraud, collection, and KYC scopes. The team will control the end-to-end credit process of the user, from activation to debt handling.
As a Risk Analyst specializing in Consumer Lending and BNPL (Buy Now Pay Later), you will work on credit and fraud risk for the platform's retail customers (Buyers). You will leverage behavioral data, alternative scoring, and ecosystem footprints to drive automated decision-making on a mass scale.
Job Description
- Fraud Risk Management: Design and deploy anti-fraud rules (device fingerprinting, geolocation anomalies, synthetic identity detection) to protect the portfolio against mass-scale fraud/ abuse.
- Vintage & Loss Analysis: Conduct detailed Vintage Analysis, FPD (First Payment Default), and NPL tracking. Provide structural risk data to partner banks to support regular portfolio performance reviews.
- Policy deployment: Configure and test credit rules within the decision engine to implement fast, frictionless, and automated approval funnels.
- Bank Alignment & Joint Risk Policy: Act as the technical liaison with partner banks to map internal risk tiers to the bank's risk appetite. Ensure joint BNPL/Cash Loan products comply with both internal loss-rate targets.
Requirements
Must have
- Analytical Proficiency: Proficient in data analysis tools such as SQL, Python/R, and data visualization tools.
- Critical Thinking: Strong logical and analytical skills with the ability to make data-driven decisions.
- Market Knowledge: A deep understanding of the consumer lending market, data sources, and credit scoring models.
- Fraud Detection: Specific experience in building and managing fraud detection rules and investigating fraud cases.
- Communication: Excellent communication and presentation skills, with the ability to explain complex risk concepts to non-technical stakeholders.
Nice to have
- Experience: 1–3 years of experience in Credit Risk Management, Micro Lending, or Business Analysis within Fintech, Digital Banking, or Commercial Banks.
- Specific experience with unsecured loans or installment products for the underbanked segment is a strong plus.
