阿里巴巴LAZADA-Head of Credit Risk-HZ/GZ
任职要求
Minimum Qualifications: • Solid credit risk management knowledge and skills, familiar with risk assessment and risk control methods and processes. • Excellent data analysis and statistical skills, able to skillfully use risk management tools and software. • Good communication and teamwork skills, able to work closely with business departments and other relevant departments. • Strong …
工作职责
Responsible for assessing and managing the risk of credit business, ensuring the safety and stability of the business. • Conduct overall risk assessment of credit business, and formulate corresponding risk management strategies based on the results. • Monitor and analyze risk indicators of credit business, and alert and handle exceptions. • Participate in the development and implementation of credit business risk management policies and processes. • Conduct risk model and data analysis. • Collaborate with business departments and other relevant departments to jointly control and reduce business risks. • Regularly submit risk assessment reports and recommendations to support business decisions.
- Recommend, review and approve trading limits of clients and Investment Representatives (IRs) - Monitor trading exposure of clients and Investment Representatives. - Follow-up on accounts with overdue contra losses including liaising with external legal counsel on legal proceedings against clients and Investment Representatives. - Review and approve trade amendments. - Prepare management reports for daily reporting and monthly reports for Committee meetings. - Perform periodic review of instruments and annual review of accounts. - Assist in system and project streamlining/enhancement initiatives to improve risk monitoring and operational efficiency. - Maintain and update internal credit risk policies/framework to ensure they remain effective and aligned with business and regulatory developments. - Perform other administrative duties and support management projects as assigned. - Ensure compliance with industry regulatory requirements, internal policies/framework and risk management guidelines. - Escalate issues that are of major concern to the Head of Credit Risk
We empower our people to stay resilient and relevant in a constantly changing world. We're looking for people who are always searching for creative ways to grow and learn. People who want to make a real impact, now and in the future. Does that sound like you? Then it seems like you'd make a great addition to our vibrant international team. SFS：As a unique business card of Siemens, Siemens Financial Services landed in China in 2005 and is dedicated to providing innovative financial services to local enterprises. Our business covers the Siemens ecosystem and implements in a wide range of sectors. We maintain long-term relationships with hundreds of manufacturers and channels to help companies upgrade their equipment, digital transformation and sustainable development. We have two legal entities in China: Siemens Finance Leasing Co., Ltd. which provides financial leasing services, and Siemens Commercial Factoring Co., Ltd. which provides factoring services. In addition, we also have offices in major cities to serve our customers nationwide. For our Risk team, we are looking for a Credit Analyst to help us drive Risk initiatives within Siemens and beyond. We are a highly motivated team and are excited to get to know you. You'll make an impact by • Performing transaction risk analysis on a daily basis, collaborating and interfacing with Sales Sector Head(s) to effectively manage new transaction deal pipeline. • Conducting credit rating analysis and making the credit rating proposal. • Preparing credit reports for authority holders to make informed lending decisions and take calculated risks. • Conducting in-depth industry research and proposing solutions to address related risks and issues. • Assisting in establishing risk management policy and guidelines, analyzing overdue/rescheduling customers, and performing ad-hoc tasks as required. • If an authority holder, exercising lending or rating authority responsibly with prudent judgment.
1.Safety Strategy Architecture Develop the O2O safety governance blueprint for Brazil, building an intelligent risk management system that covers all delivery scenarios (prevention-response-disposal). Lead the localization innovation of safety products, driving the implementation of core technological modules such as biometric authentication, real-time risk mapping, and public-private safety collaborations. Establish a safety and health index system (TRUST Index) to drive multi-threaded collaboration across product, operations, and government affairs. 2.Ecosystem Protection Plan Build a rider safety empowerment system: from risk prevention to real-time intervention and event management, providing full-cycle protection. Create a joint defense mechanism for high-risk areas: collaborate with the Ministry of Transportation and Federal Police to establish a digital safety corridor. Design a merchant safety credit model: use data sharing to reduce systemic risks in offline transactions. 3.Crisis Management Leadership Establish a 24/7 intelligent emergency command center, ensuring rapid response and closure of major events within minutes. Build and nurture a localized security operations team, creating a ground support network across 12 key cities.
1. 信贷策略与风控体系构建 主导设计、实施和持续优化覆盖信贷全生命周期（获客、审批、定价、贷后管理、催收）的全面风险管理框架和信贷策略。 利用数据科学和先进分析技术，制定有效的反欺诈和信贷风控模型，确保在快速增长的同时，将资产质量和坏账率控制在目标范围内。 2. 驱动业务增长及 P&L 管理 主导墨西哥 BNPL 和现金贷业务的端到端管理，对业务整体的投入产出 (ROI) 和损益表 (P&L) 结果负责。 基于深入的市场洞察和量化分析，设计高增长的商业模式和产品路线图，确保实现规模化扩张。 3. 构建与落地信贷全价值链解决方案 设计并推动信贷业务的商业化闭环，涵盖营销获客、产品运营、融资服务及高效的跨职能合作。作为核心驱动者，高效整合内部资源（产品、数据、工程、运营、财务）及外部资源，确保信贷解决方案的快速迭代和成功落地。 4. 拓展与深化战略伙伴关系 拓展及维护关键的海外（墨西哥）机构合作，包括本地银行/非银行金融机构、征信及数据服务商（如 Buró de Crédito）、以及核心场景/流量合作方。主导高层级业务洽谈，为信贷业务构建稳固可靠的生态系统。 5. 确保本地化策略与合规运营 洞察墨西哥《金融科技法》、监管政策及行业发展前沿趋势。建立对国家银行和证券委员会 (CNBV) 监管要求、当地法务、数据隐私及反洗钱 (AML) 的深刻理解。定制高度本地化的信贷产品和运营模式，以实现可持续的合规运营。