蚂蚁金服Ant International-Senior / Credit Risk Analytics Manager-Ant Bank

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.

• 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.

• 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.

Ant International is looking for a Business & Product Operations, Senior Manager to drive the adoption and growth of, Buy Now Pay Later (BNPL) product which spans across Southeast Asia. As part of the Regional Team, you will be the key personnel to ensure the smooth-running operations of our lending business supporting across leading Alibaba E-commerce platforms responsible for all internal and external stakeholder management. You are a goal-getter, a people person and a desired team player for the regional and local country teams and a hands-on project manager to manage projects efficiently and implement the product roadmap and plans. • Manage the entire chain of business operations from product development plans, campaign management, marketing and partnership collaboration with internal stakeholders with cross function teams such as product, technology, legal, finance, compliance, marketing, credit risk and customer service within Alibaba E-commerce platforms. • Work with our internal and external partners to drive the adoption and growth of BNPL in-country with good understanding of the fintech/ lending scenes in the markets. • Contribute and influence the product roadmap together with our product development and technology team to improve overall user experience, develop product features and product operational tools to improve the overall product user conversions and experience. • A data expert with the ability to analyse and report key business metrics that will have a strong influence on business decisions. • Deep understanding of marketing conversation funnel and user behaviour metrics with the ability to analyse current user retention, traffic to create meaningful and impactful campaigns to educate and drive adoption for BNPL usage. • To plan and execute marketing campaigns and projects with relevant cross-function domains to increase overall reach and visibility of BNPL. • Role also entails day to day operation managements from internal, external stakeholder alignment and communications with partners, promotion campaigns management, UAT, product roadmap planning, reporting and budget management.