蚂蚁金服蚂蚁国际-Head of Credit Mexico-国际信贷

Responsible for assessing and managing the risk of credit business, ensuring the safety and stability of the business. • Conduct overall risk assessment of credit business, and formulate corresponding risk management strategies based on the results. • Monitor and analyze risk indicators of credit business, and alert and handle exceptions. • Participate in the development and implementation of credit business risk management policies and processes. • Conduct risk model and data analysis. • Collaborate with business departments and other relevant departments to jointly control and reduce business risks. • Regularly submit risk assessment reports and recommendations to support business decisions.

- Recommend, review and approve trading limits of clients and Investment Representatives (IRs) - Monitor trading exposure of clients and Investment Representatives. - Follow-up on accounts with overdue contra losses including liaising with external legal counsel on legal proceedings against clients and Investment Representatives. - Review and approve trade amendments. - Prepare management reports for daily reporting and monthly reports for Committee meetings. - Perform periodic review of instruments and annual review of accounts. - Assist in system and project streamlining/enhancement initiatives to improve risk monitoring and operational efficiency. - Maintain and update internal credit risk policies/framework to ensure they remain effective and aligned with business and regulatory developments. - Perform other administrative duties and support management projects as assigned. - Ensure compliance with industry regulatory requirements, internal policies/framework and risk management guidelines. - Escalate issues that are of major concern to the Head of Credit Risk

1.Safety Strategy Architecture Develop the O2O safety governance blueprint for Brazil, building an intelligent risk management system that covers all delivery scenarios (prevention-response-disposal). Lead the localization innovation of safety products, driving the implementation of core technological modules such as biometric authentication, real-time risk mapping, and public-private safety collaborations. Establish a safety and health index system (TRUST Index) to drive multi-threaded collaboration across product, operations, and government affairs. 2.Ecosystem Protection Plan Build a rider safety empowerment system: from risk prevention to real-time intervention and event management, providing full-cycle protection. Create a joint defense mechanism for high-risk areas: collaborate with the Ministry of Transportation and Federal Police to establish a digital safety corridor. Design a merchant safety credit model: use data sharing to reduce systemic risks in offline transactions. 3.Crisis Management Leadership Establish a 24/7 intelligent emergency command center, ensuring rapid response and closure of major events within minutes. Build and nurture a localized security operations team, creating a ground support network across 12 key cities.

We are seeking an experienced Head of Finance Operations to lead and manage the finance function of a licensed lending entity in Malaysia, with a strong emphasis on Islamic financing structures. You will be supporting the CEO in spearheading the growth, development, and strategic direction of our business. The ideal candidate should have at least 10 years of experience in accounting or finance, with significant experience in a leadership role. This role requires strategic thinking and communication skills, as the Head of Finance collaborates closely with senior leadership within the organisation. The candidate should be able to perform and manage the following tasks independently while possessing a passion for innovation and a keen understanding of the evolving fintech landscape: 1. Finance Operations & Controls • Oversee the day-to-day finance operations, including AP/AR, GL, bank reconciliations, treasury, and financial control. • Ensure timely and accurate preparation of financial statements in compliance with Malaysian Financial Reporting Standards (MFRS) and BNM regulatory requirements. • Lead the implementation of robust financial controls and operational processes to support business growth and compliance. 2. Islamic Finance Expertise • Ensure all finance-related practices for Islamic products comply with Shariah principles, relevant BNM guidelines (e.g., BNM’s Shariah Governance Framework), and internal Shariah committee rulings. • Collaborate with Shariah advisors and internal stakeholders to support product structuring and execution for Islamic financing (e.g., Murabahah, Tawarruq, Ijarah, etc.). • Track and report on financial performance of Islamic vs. conventional lending portfolios. 3. Strategic Finance & Business Partnering • Partner with senior leadership to provide financial insights that inform strategic and operational decision-making. • Support funding strategies, including Sukuk issuance or other Islamic financing instruments. • Assist in developing pricing models and cost structures for both conventional and Islamic lending products. 4. Regulatory, Audit & Tax • Ensure full compliance with Bank Negara Malaysia (BNM) and Securities Commission (SC) reporting obligations. • Manage external and internal audits, ensuring timely resolution of audit findings. • Oversee tax planning and compliance, including Zakat obligations where applicable. 5. Systems, Automation & Reporting • Drive automation initiatives and integration of finance systems with core banking platforms. • Design and maintain financial dashboards and MIS reports for management and investors.