蚂蚁金服Ant International-Senior Credit Risk Manager-Bettr
任职要求
- Degree or above with major in Mathematics, Statistics or Financial Engineering etc. - Minimum 10 years relevant experiences from credit risk analytics and/or modelling in Thailand lending institutions. SEA market know-how will be a plus - Proficient in SAS, SQL and other analytical tools (R, SPSS, Python) - Hands-on experience in the end-to-end development/validation of credit risk models - Sound knowledge of BOT, Basel, IFRS9 requirements in relation to models - Good understa…
工作职责
bettr is the digital lending business under Ant International, focused on providing inclusive financial services to micro, small and medium enterprises (MSMEs) in strategic markets through partners via embedded finance. By leveraging its innovation-led tech like AI and privacy-preserving computing to enable secure financing solutions, bettr enhances the accessibility and ease of financing, unlocking growth opportunities for MSMEs. Key Responsibilities: - Set up credit risk management framework (process and policy), build and maintain onboarding, assessment, ongoing monitoring and reporting of exposures for the entity. This also includes the usage of AI/ML and the incorporating of alternative data into such models. - Meet Thailand regulatory requirement proactively with risk-related procedures, processes and policies. - Collaborate across functions, including business, product, tech, legal and compliance, enable embedded financing, implement data-driven credit assessment in the various lending platforms / ecosystems that the entity will engage itself in. - Conduct both regular and ad-hoc portfolio analysis on post lending accounts to identify the associated credit risks, update policy, and improving decision engine timely. - Manage the model risks for all scorecards and models including validation and monitoring under Group Model Risk Framework. - Solicit and analyse market related information on the practice or trend of RETAIL and SME risk management, and make recommendations to Senior Management for procedural reviews. - Lead local credit risk team, and enable approver and collection experts to improve daily efficiency with data-driven insight.
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.
Report directly into Chief Risk Officer, this role assumes ownership of credit data and portfolio analytic within the bank. Major duties include: ● Develop credit data warehouse and the relevant standards and governance requirements. ● Design Retail/SME portfolio credit risk monitoring mechanism, including risk indictors and automated MI reports. ● Monitor and identify risk trends, customer behaviors, potential credit delinquency/default as well as conducting other credit portfolio or segment analysis. ● Responsible for credit model governance and management. Working closely with the credit model development and validation teams. ● Support credit product development and credit strategy.
• Support Finance Senior Manager day-to-day accounting operations, focusing on credit and lending businesses, including revenue recognition, accounts receivable, credit risk monitoring, as well as monthly general ledger booking and reporting. • Prepare monthly financial reports, including credit risk analysis, accounts collection and account receivable analysis. • Participate in project team for system or process implementation, and prepare business requirements document for finance related areas. • Recommend and implement financial related internal control and procedures to ensure compliance with accounting standards (e.g., IFRS, GAAP), company policies and relevant laws/regulations. • Assist with both internal and external audits, providing necessary documentation and support. • Liaison with business team to provide support from finance and accounting perspective.
1. Be responsible for the enterprise risk management at the entity level, including risk governance, counterparty credit risk, market risk, and liquidity risk management. 2. Effectively implement the entity-level risk appetite and related risk governance work such as the Risk Management Committee. 3. Focus on assessing risks related to reserve management, and propose optimization suggestions and drive their implementation. 4. Establish an investment risk management framework for fixed income and MMF, design risk limits, and conduct monitoring. 5. Conduct stress tests and formulate emergency plans based on actual risk scenarios.