苹果Embedded Software Engineer

The role LazPay is the payments and financial services arm of Lazada and is part of the Financial and Payment Business organization of Alibaba International Digital Commerce (AIDC). LazInsure is a growing business unit that focuses on providing embedded insurance solutions within AIDC's e-commerce platforms. We are looking for a customer centric and motivated individual to help with operations and insights to drive the best user experience for Lazada buyers who avail of our insurance products Key Tasks & Responsibilities - Leads the identification and development of business opportunities by doing market opportunity sizing and development of business cases; - Own end to end process of operating and launching insurance products for Lazada in the Philippines - Deliver sales of products, programs, and services through e-commerce platform embedded sales and other channels as measured by net revenue - Setup Customer Segmentation, Strategy, and Retention including insights and business intelligence with support of internal Business intelligence team; - Lead in driving the expansion of products and services through partnerships and vendor selection - Regularly monitor market and benchmark against competition, track regulatory landscape changes, as well as overall InsurTech developments locally and globally - Oversees communication with internal units regarding updates or changes to the products and manages key stakeholders within Alibaba International Digital Commerce - Manage relationships with insurance partners, assisting with the preparation of contractual agreements and ensure that these are fully adhered to as needed - Drive win-win negotiations between Lazada and insurance partners· Contribute to category performance management and deliver insights to senior management - Prepare for and assist with the implementation of regular campaigns and initiatives - Identify and champion product improvements - Any other duties that may be assigned

随着蚂蚁国际的全球化战略和大模型的技术浪潮，我们将带着创新创业精神再出发，聚焦于A+、Antom、WorldFirst、Embeded Finance四大业务战场。我们深度拥抱LLM、AI Agent最前沿技术，吸纳蚂蚁国际海量数据，应用各种机器学习、NLP、CV、多模态模型来解决各类国际风险问题，与业产研并肩作战，助力业务发展，沉淀行业领先的解决方案或产品。 如果你对大模型、多模态、NLP、CV、机器算法等技术有热爱，如果你对国际化的业务有兴趣和信心，如果你希望做更多AI+业务的实事，如果你希望真正踏入AIGC、业务国际化的大潮，请加入我们。 岗位描述： 1、探索大模型时代的新型国际风控能力体系、搭建大模型安全防御和风控大模型技术体系； 2、基于深度学习、AIGC等技术，对现有国际风控能力体系进行改建和升级； 3、参与国际风控AI Agent能力建设，包括但不限于AIGC风险识别、风险知识库、检索增强、Agent进化、Multi-Agent等技术方案的设计和落地； 4、关注AI Agent和大模型相关的前沿技术和发展动态，拓展业务应用；

● Monitor and analyze both payment and financial service performance metrics to ensure optimal outcomes, identify potential risks. ● Drive execution of strategic initiatives across payment service, embeded Insurance and digital credit, with critical insights and connectivity, working closely with internal teams across Alibaba International and Ant International. Ensure high-quality, timely delivery of strategic partnership program projects aligned with organizational goals. ● Provide insights and recommendations to the leadership team based on market analysis and collective feedbacks. ● Stay up-to-date with industry trends, market developments, and competitive landscape in the global e-commerce industry, especially in the financial service area. Explore, identify and evaluate strategic growth opportunities by providing market insights and identifying product - market fit gaps ● Identify, as well as monitor strengths, weaknesses, opportunities and threats relevant for AIDC payment and financial business

bettr is the digital lending business under Ant International, focused on providing inclusive financial services to micro, small and medium enterprises (MSMEs) in strategic markets through partners via embedded finance. By leveraging its innovation-led tech like AI and privacy-preserving computing to enable secure financing solutions, bettr enhances the accessibility and ease of financing, unlocking growth opportunities for MSMEs. Key Responsibilities: - Set up credit risk management framework (process and policy), build and maintain onboarding, assessment, ongoing monitoring and reporting of exposures for the entity. This also includes the usage of AI/ML and the incorporating of alternative data into such models. - Meet Thailand regulatory requirement proactively with risk-related procedures, processes and policies. - Collaborate across functions, including business, product, tech, legal and compliance, enable embedded financing, implement data-driven credit assessment in the various lending platforms / ecosystems that the entity will engage itself in. - Conduct both regular and ad-hoc portfolio analysis on post lending accounts to identify the associated credit risks, update policy, and improving decision engine timely. - Manage the model risks for all scorecards and models including validation and monitoring under Group Model Risk Framework. - Solicit and analyse market related information on the practice or trend of RETAIL and SME risk management, and make recommendations to Senior Management for procedural reviews. - Lead local credit risk team, and enable approver and collection experts to improve daily efficiency with data-driven insight.