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

- Responsible for the expansion of Islamic finance credit products in Malaysia, with primary focus on Sharia-compliant financing solutions including SME financing, personal financing, and consumer credit products, alongside corporate financing and supply chain finance solutions. - Conduct market research and business development for Islamic financial products, ensuring full compliance with Sharia law and Malaysian regulatory requirements while designing competitive commercial strategies. - Drive partnerships with local Islamic financial institutions and stakeholders to establish market presence and achieve sustainable business growth in Malaysia and the global Islamic finance sector.

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.