(Senior) Associate, Risk policy & Fraud management - Credit, ShopeePay

I. About the Team

VN Credit risk management team is in charge of credit risk - anti-fraud, collection, and KYC scopes. Team will control the end-to-end credit process of the user, from activation to debt handling.

Selling points of this position

• Tackle Complex Problems: You will be at the forefront of tackling some of the most complex challenges in fintech—managing both credit and fraud risk for the underbanked segment in a physical, offline environment. This is an exciting opportunity to apply your expertise to a unique and challenging market.
• Work with Diverse Teams: You will work closely with a wide range of teams—from Risk, Product to Operations and Data Science. Your role will be the bridge between business growth and risk control, giving you a holistic view of the company's operations.
• AI-driven: Leveraging Claude, OpenAI/Codex, and Gemini APIs to solve mission-critical credit risk and operational problems across all domains.

II. 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.

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.

III. Job Requirements

Must have

• Hands-on AI building experience: You have personally built and deployed a working tool or agent using an AI tool (Claude, OpenAI/Codex, Google Gemini, or equivalent).
• 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

• 3-5 years of experience in credit risk management or fraud management within the consumer finance, fintech, or micro-lending sectors.
• 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.