蚂蚁金服Ant International-Credit Management Specialist-ANEXT Bank
任职要求
• Bachelor Degree or above with minimally 5-7 years of relevant collections experience preferably in SME/Business Banking • Experience with Statistical models and ideally AI models in collections • Strong analytical and writing skills • Strong knowledge of industries and economic environment in the region • Familiar with MAS regulations such as MAS Notice 612, MAS guideline on Risk Management Practices and other relevant regulations • Proficient in English and Mandarin to communicate with Mandarin-speaking stakeholders
工作职责
• Understand how the Bank’s risk appetite and risk culture should be considered in day to day activities and decisions • Implement collection strategies and key processes for the Collections Team • Design and coordinate the implementation of systems requirements for collections, reporting requirements and ensure high levels of automation • Perform the Collections Function on a day-to-day basis including skip tracing and liaison with external agencies including engagement with debt collection agencies to institute collection strategies • Develop, maintain and monitor the KPIs for external agencies • Conduct daily portfolio monitoring and regular reviews on delinquent accounts • Assess and recommend remedial actions on distress accounts for approval • Assess and prepare accounts for write off • Manage collection complaints and develop resolution timeframe and benchmarks • Prepare reporting dashboards (including but not limited to delinquency trends, flow rate velocity, recovery indicators, forecasting and making provisions for loan impairments) for management’s review • Recommending appropriate Loan classification for each distress borrower • Initiating Legal Proceedings on problem credits where applicable • Optimise digital collection strategies and review effectiveness against cost impact • Conduct lessons learnt and training activities to promote risk/control awareness
We’re on a mission to make financial services accessible and effortless for SMEs. As one of Singapore’s latest digital wholesale banks fully regulated by MAS, we’re committed to continuous innovation to bring about simpler, safer and more rewarding financial services. #bringingaboutwhatsnext We are looking for Product Commercialization Specialist to join us. Job Overview Your task as Product Commercialization Specialist is to increase the company's success and profitability with of our existing products. The spectrum of your tasks ranges from innovative product innovations, to optimising the efficiency of existing products through data-driven analysis of product performance by product type, channels, markets; and ensuring optimized utilization, pricing and revenue generated by our products. You will own the repository & governance of the product programs, and contribute to the design of new product programs by including details of market research, pricing strategy and potential profitability of the product. You will also own the repository of new product approvals, consolidating the details and approval trails for audit purposes. You will also be tasked to conduct market research and product viability studies, to ensure our products addresses the pain points of the target segment & market. In addition to this, you will develop sustainable strategies in order to build on the success in close co-operation with all departments, through co-designed product campaigns, campaign performance analysis so as to provide insights on improving the profitability of our product suites. Job Responsibilities Work with Business Units and conduct market feasibility studies, covering target segment pain points, competitor analysis, and pricing & profitability studies. Work with Product Development (PD Tech) and conduct product design & market feasibility prior to Product Requirements Design stage; and conduct pricing analysis, implementation impact analysis to support implementation and go-to-market strategy. Collaborate with Business Units and Business Intelligence to design data-driven campaigns, campaign performance analysis and A/B testing. Track and monitor product performance across channels, markets & customer profiles, and develop insights on persona of customers and maximize process & profitability based on targeted customer segments. Own repository for product programs and product approvals; ensuring the versions are up to date and the appropriate approvals and renewals are conducted timely. Draft & co-design new product programs & new product approvals, by consolidating and reviewing inputs from Business, Risk (Credit, Operational, Fraud), Legal & Compliance and Operations.
About Ant International With headquarters in Singapore and main operations across Asia, Europe, the Middle East and Latin America, Ant International is a leading global digital payment, digitisation and financial technology provider. Through collaboration across the private and public sectors, our unified techfin platform supports financial institutions and merchants of all sizes to achieve inclusive growth through a comprehensive range of cutting-edge digital payment and financial services solutions. To learn more, please visit https://www.antglobal.com/ Job Description: 1. Responsible for building up transaction monitoring surveillance system and customer risk rating models, implement in-time assessment on AML models to guarantee performance. 2. Responsible for the innovative research and design on AML monitoring framework, utilize quantitative analytics and data techniques in a scientific way to improve the effectiveness of AML system. 3. Responsible for developing engine of automatic AML detection threshold tuning so as to guarantee quick reaction to continuous risk changes. 4. Provide quantitative analytics support to the compliance officers in regulatory visits and enquiries. 5. Work together with Product & Technology team to improve model effectiveness and extend AML defense line through applying AI and ML, meanwhile achieving commercialization. 6. Responsible for the development, testing and operation and maintenance of the risk model; based on the big data of the whole ant, mine the 360-degree characteristics of customers, and make innovations in customer identification, such as mining fund sources based on complex networks and mining user behaviour based on time series Preferences, etc., and apply the results to abnormal transaction identification and customer risk classification; 7. Responsible for the governance of anti-money laundering-related risks, formulate identification/disposal strategies; study the financial behaviors’ of hundreds of millions of Ant Financial users every day, and dig out abnormal financial behaviors, such as credit card cash, illegal fund-raising, drugs, gambling, fraud, etc. 8. Through the experience of risk management, gain insight into data problems, and design a complete suspicious transaction control plan.
• Primary responsibilities will include building AI/HPC infrastructure for new and existing customers. • Support operational and reliability aspects of large-scale AI clusters, focusing on performance at scale, real-time monitoring, logging, and alerting. • Engage in and improve the whole lifecycle of services—from inception and design through deployment, operation, and refinement. • Maintain services once they are live by measuring and monitoring availability, latency, and overall system health. • Provide feedback to internal teams such as opening bugs, documenting workarounds, and suggesting improvements.