蚂蚁金服蚂蚁国际-风险策略专家-国际事业群
任职要求
1. 本科及以上学历，数学、机器学习、统计、人工智能、模式识别、计量经济学、计算机等相关专业，硕士优先 2. 精通数据挖掘和风险建模等技术，熟悉常用的数据算法和建模工具，有前沿机器学习算法经验的优先 3. 优秀的逻辑思维能力，高度的业务敏感性与数据敏感性，能够适应高强度、快节奏的工作氛围 4. 良好的学习意愿和学习能力，能够快速掌握工作所需技能 5. 曾在银行、小贷公司、互联网等行业从事过量化风险管理和数据模型工作，有小微风险管理经验者优先 6. 5年以上风控算法、风控数据分析、量化风控策略工作经验 1. Bachelor's degree or above, majoring in mathematics, machine learning, statistics, artificial intelligence, pattern recognition, econometrics, computer science, etc., master's degree preferred 2. Proficient in data mining and risk modeling technologies, familiar with common data algorithms and modeling tools, those with experience in advanced machine learning algorithms are preferred 3. Excellent logical thinking ability, high business sensitivity and data sensitivity, able to adapt to high-intensity, fast-paced work atmosphere 4. Good willingness and ability to learn, able to quickly master the skills needed for work 5. Experience in quantitative risk management and data modeling in banks, small loan companies, internet industries, etc., those with experience in micro-risk management are preferred 6. More than 5 years of experience in risk algorithm, risk analysis, and quantitative risk strategy
工作职责
1. 深入了解信贷产品的产品属性、业务场景、客群特征、风险模式，制定与业务模式匹配的风险管理流程和政策框架 2. 结合银行内外部数据，对体系内外的存量及潜在客户的信用风险和欺诈风险进行评估与计量 3. 负责贷前、贷中、贷后的风控模型、规则、策略等相关风控体系的制定、优化、监控，并和其它风险部门形成联动 4. 基于量化风控能力对不同客群的准入门槛、授信额度、价格及对应还款方式进行差异化，使之实现既定目标最优化 5. 将数据挖掘成果转化成政策优化方案并部署在决策系统，同时负责协调技术、数据和模型团队将风险策略实施上线 6. 跟踪市场、行业、舆情情况，为业务发展和风险管理规划提供数据支持和决策依据，驱动风险管理体系的持续优化 1. Deeply understand the product attributes, business scenarios, customer characteristics, and risk patterns of credit products, and develop risk management processes and policy frameworks that match the business model 2. Evaluate and measure the credit and fraud risks of existing and potential customers within and outside the system using internal and external bank data 3. Be responsible for formulating, optimizing, and monitoring risk control models, rules, strategies, and related risk control systems before, during, and after lending, and coordinate with other risk departments 4. Differentiate access thresholds, credit limits, pricing, and repayment methods for different customer groups based on quantitative risk control capabilities to achieve optimal goals 5. Convert data mining results into policy optimization plans and deploy them in decision-making systems, while coordinating with technical, data, and modeling teams to implement risk strategies online 6. Track market, industry, and public opinion trends to provide data support and decision-making basis for business development and risk management planning, driving continuous optimization of the risk management system
1.负责信用风险模型的开发，包括模型设计、数据准备、模型开发、上线测试以及上线之后的模型监控 2.负责风控模型的数据集市搭建，持续挖掘公司不同业务类型数据在风险评估方面的价值，丰富和完善风控模型的数据集市 3.负责对外部征信数据的有效性和质量进下评估，推动其在模型和策略中的应用 4.负责信贷业务的相关数据分析，为风险模型的策略应用提供决策支持 1. Responsible for the development of credit risk models, including model design, data preparation, model development, online testing, and post-launch model monitoring 2. Responsible for building a data warehouse for risk control models, continuously exploring the value of different types of company business data in risk assessment, enriching and improving the data warehouse of risk control models 3. Responsible for evaluating the effectiveness and quality of external credit reporting data, promoting its application in models and strategies 4. Responsible for related data analysis of credit business, providing decision support for the strategy application of risk models
● 基于海外监管/国际卡组/海外APM等支付机构的风险管理，合理制定收单商户风险管理要求。保障日程商户风险管理的有效执行落地。 ● 作为风控团队的代表对接业务团队/外部商户，有效协调内部资源保障风控服务效能。 ● 识别业务需求/市场洞察带回风控内部，与风控内部如策略、产品、技术团队等讨论进行产品更新，解决方案的迭代，优化风控能力。
1.基于历史数据和专家经验，基于数据分析、挖掘，设计针对盗用、欺诈、作弊等风险的安全策略且持续优化； 2.平衡支付体验的便捷和风险控制，设计、实施、监控风险-收益最优化的安全策略，保障业务健康发展； 3.与数据、产品、技术团队深度合作，建设风险引擎中台能力。 4.与业务深度合作，主动理解业务，分析产出风控insight，并协调推动跨团队资源整合，保障业务健康发展，对业务进行风控赋能。
（1）深入分析商户、交易、用户等体系内、外各类数据，挖掘风险特征，建设商户风险画像，设计盗用、欺诈、赌博、作弊、套汇、真实性等全方位商户风险量化策略体系； （2）我们面临最复杂的国际环境下的商户业务风险，打造数据驱动设计和业务-风险最优决策的策略体系，保障国际业务健康合规和可持续发展； （3）与算法、政策、产品、技术、运营等团队深度合作，建设和完善基于人工智能的商户量化风险管理平台，并打造可对外开放的商户安全解决方案和安全服务产品； （4）我们奉行快乐工作认真生活，打造世界最前沿的国际商户风控体系是我们追求的目标；我们提供创新开放的工作环境，你有机会跟国际AI和风控顶级专家一起共事。