蚂蚁金服蚂蚁国际-风险策略专家 Risk Strategy Expert-JV

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

核心职责 1、风险识别与评估（包括厂务系统风险和机台设计、运营阶段风险），制定改善措施，同时平衡风险和能耗； 2、促进工厂PSM管理，收集业界和工厂内PSM相关事件，开展事件调查、分析，协助制定改善措施； 3、促进机台供应商建立完善的产品安全管理体系及配套制度流程； 4、建立能耗管理目标和策略，监控能耗，挖掘评估节能机会，协调资源、牵引能耗管理项目的开展和实施； 简化系统流程，提升系统运行效率 Facility system risk assessment. Balance safety and energy consumption in equipment design, operation phase. FOAK tool safety evaluation, hazard identification and risk analysis, support equipment suppliers to build up and strengthen product safety management Maintain PSM case library, PSM cases investigation, propose and tracing corrective/preventive actions. Set energy saving goal and strategy, monitor energy consumption, search for energy saving opportunities, facilitate project, coordinate cooperation Streamline system flow, improve system efficiency.

Job Description: 1. Be responsible for the governance and control of products and content on the Ali international e-commerce platform; 2. Conduct risk assessments for various business scenarios using effective methodologies, and develop governance and control solutions to ensure the platform's orderliness, fairness, and efficiency; 3. Design and establish a compliance and governance indicator system, build corresponding warning indicators and operational strategies based on the indicator system, and consolidate regular operation plans; 4. Understand mainstream text, image, video, and audio algorithms, and based on data mining, statistical analysis, and machine learning technologies, formulate effective risk perception, identification, decision-making, and penalty strategy systems, and be accountable for the results; 5. From the platform perspective, evaluate various business scenarios, and formulate comprehensive compliance governance ideas, including but not limited to optimizing risk control products, actively/passively preventing and controlling strategies, and closing the loop for negative complaints, balancing experience and security to ensure that the platform complies with compliance requirements globally; 6. Have 3 years or more of team management experience, and be able to effectively lead the team to collaborate and achieve goals together. 职位描述： 1. 负责阿里国际电商平台商品、内容等的治理及管控； 2. 通过有效方法论对各种业务场景进行风险评估，制定治理及管控解决方案，保障平台有序、公平、高效； 3. 设计和建设商品合规&治理指标体系，围绕指标体系建设对应的预警指针和运营策略，并沉淀常态化运营方案； 4. 了解主流文本、图片、视频、音频算法，基于数据挖掘、统计分析、机器学习等技术，制定有效的风险感知、识别、决策、处罚策略体系，对结果负责； 5. 从平台视角，对各种业务场景进行评估，制定全链路合规治理思路，包括但不限于风控产品优化、策略主动/被动防控、负向投诉闭环等，平衡体验与安全，确保平台全球范围内符合合规要求； 6. 3年以上团队管理经验，能有效带领团队相互协作共同完成目标。