蚂蚁金服蚂蚁国际-风险模型专家-国际事业群
任职要求
1.本科及以上学历，有统计学、数学、计算机、理工科专业背景优先 2.6年以上数据分析相关工作经验，有银行、小贷、消费金融机构风险评分模型开发工作经验者优先考虑 3.熟练使用至少一种编程语言（SQL, Python, SAS, R等）进行数据分析与模型开发，熟悉常用机器学习原理与算法实践优先 4.较强的逻辑分析、沟通协调、团队合作能力 1. Bachelor's degree or above, with a background in statistics, mathematics, computer science, or engineering preferred 2. More than 6 years of relevant work experience in data analysis, with preference given to those with experience in developing risk scoring models for banks, small loan companies, and consumer finance institutions 3. Proficient in at least one programming language (SQL, Python, SAS, R, etc.) for data analysis and model development, with familiarity with common machine learning principles and algorithm practices preferred 4. Strong logical analysis, communication coordination, and team collaboration skills
工作职责
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
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.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.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、负责国际信贷业务的数据研发相关工作，运用数据技术，对信贷数据进行统计分析、风险评估和数据建模，以支持信贷决策和风险管理，沉淀信贷业务全链路的优质数据资产，配合风控、产品及技术团队，推动数据驱动的创新业务场景落地。 2、熟悉隐私安全法律法规，制定信贷数据领域的解决方案。规划业务大图和主要流程、针对复杂的业务问题能做提炼和拆解，帮助数据安全、合规、高效流转。