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 indu…
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.
我们正在寻找一位经验丰富、注重细节的交易与运营专业人才。您将成为连接投资、产品和市场客户的关键枢纽，负责管理和优化交易类产品的日常运营流程，确保交易执行的准确性、风险控制的有效性以及资金运用的高效性。 We are seeking an experienced and detail-oriented Trading and Operations professional to join our team. You will act as a critical hub connecting our investment, product, and GTM teams. This role is responsible for managing and optimizing the daily operational processes, ensuring the accuracy of trade execution, the effectiveness of risk control, and the efficiency of fund utilization. 1. 负责执行各类资产的交易指令，确保交易的及时性和准确性。监控交易流程，发现、解决交易过程中出现的异常问题； 2. 每日监控、管理、核对头寸，进行估值和盈亏分析。执行风险控制措施，监控各项风险指标（如市场风险、信用风险、流动性风险），并撰写风险报告； 3. 负责账户的资金调配、清算和结算工作，确保资金流转顺畅。进行现金流预测，管理产品的流动性，满足申购、赎回及投资需求； 4. 与产品设计部门紧密合作，参与新产品的设计与论证，提供运营角度的专业建议。配合前线销售部门，解答关于产品运作、持仓和业绩表现的问询，提供数据支持； 5. 持续评估和优化中台操作流程，引入新的工具和技术，提升自动化水平和运营效率。 1. Execute trading for various asset classes (e.g., stocks, bonds, derivatives), ensuring timeliness and accuracy. Monitor the entire trade lifecycle and resolve any exceptions or issues that arise； 2. Conduct daily monitoring and management of portfolio positions, including position reconciliation, valuation, and P&L analysis. Implement risk control measures, monitor key risk indicators (e.g., market risk, credit risk, liquidity risk), and prepare risk reports； 3. Manage account cash allocation, clearing, and settlement to ensure smooth cash flow. Forecast cash flows and manage product liquidity to meet subscription, redemption, and investment needs； 4. Work closely with the product design team, participating in new product development and providing professional input from an operational perspective. Support the front-line sales team by answering inquiries and providing data related to product operations, holdings, and performance； 5. Continuously evaluate and optimize middle-office operational flows, introducing new tools and technologies to enhance automation and efficiency.
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.