Job Description:
You will be responsible for building, implementing, and managing the entire risk framework for our offline installment products at merchant locations, focusing on high-value items like mobile phones and motorbikes.
Your key responsibilities will include:
1. Credit Risk Management:
- Policy Development: Analyze customer data, repayment behavior, and risk factors to develop and refine credit policies for offline products.
- Portfolio Analysis: Monitor and analyze the performance of our loan portfolio, including delinquency rates and Non-Performing Loan (NPL) ratios. Provide regular reports and early warning signals to stakeholders.
- Strategy Implementation: Set and adjust approval matrices, credit limits, and rejection rules to balance business growth and risk control.
2. Fraud Risk Management:
- Incident Investigation: Conduct in-depth investigations into complex fraud cases to uncover root causes and prevent recurrence.
- Process Improvement: Continuously analyze fraud trends and evaluate the effectiveness of our detection tools, recommending necessary improvements.
- Framework Creation: Develop and execute a comprehensive fraud prevention strategy tailored to the unique challenges of offline sales channels.
- Rule Engine Management: Identify and build rules to automatically detect suspicious activities such as forged documents, inconsistent information, or collusive fraud between staff and customers.
3. Collaboration & Training:
- Work closely with the Reg AF and Policy Risk, Product, BD, Operations, and Collections teams to ensure risk policies are integrated and followed across all business functions.
- Provide regular training to AF agents/ sales agents and BD teams to raise awareness of fraud risks and proper handling of suspicious cases.
Requirements:
- 3-5 years of experience in credit risk management or fraud management within the consumer finance, fintech, or micro-lending sectors.
- 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.
- Specific experience with unsecured loans or installment products for the underbanked segment is a strong plus.
- Proven experience in managing risk for offline products like mobile phones and motorbikes is highly desirable.
