蚂蚁金服蚂蚁国际-信贷科技产品经理-科技金融
任职要求
1. 本科及以上学历，计算机/金融/经济/数学/统计学相关专业优先，有较好的技术背景或技术理解能力；
2. 5年以上金融科技类产品经理PD相关工作经验，或者互联网信贷业务产品经验，熟悉信贷业务各种模式、熟悉基本的信贷风险管理过程及相关方法理论；
3. 良好的商业sense，深入、全局的思考能力和优秀的逻辑能力，高度的商业敏感性与业务理解和逻…工作职责
1. 负责信贷科技产品方案的设计与建设，建立与科技商业化业务模式、商业模式相匹配的产品及服务，包括信贷产品，相关工具，系统产品； 2. 链接外部市场需求与内部研发资源，转为可落地的产品设计并持续迭代升级，编写产出MRD、BRD等文档材料； 3. 充分协同好BD、风控、中台、法务、合规、财务等团队， 并负责产品或项目落地过程中的跟踪与汇报，结合商业业务发展需求与思路，支撑产品验收与交付相关工作顺利进行，能够及时发现并反馈并主导解决产品生命周期中的各项问题与风险； 4. 与外部B端客户、内部各团队进行高效、精准的沟通与交流，建设专业的商业化产品形象。对法务、财务、隐私、合规等方面有一定的理解，辅助设计科技开放业务解决方案。
1.作为product manager，负责跨境及海外To B信贷融资类产品及流程设计，为SMEs及business owner提供有竞争力的信贷产品； 2.负责产品的创新、设计、迭代优化及管理，根据当地特色，牵头组织业务、运营、风控、法务、合规、财务、安全反洗钱等团队协同推进需求设计与评估，组织UED、技术设计交互并推进开发上线，负责产品的全生命周期研发和管理，并沉淀可覆盖多个国家/地区的通用产品能力； 3.与外部客户、内部各团队及stakeholders进行高效、精准的沟通与交流, 根据监管动态，竞对情况，及时完成产品迭代升级，保持优于同业的产品力； 4.关注行业及竞对情况，捕捉市场创新机遇，引领和推动产品的创新，为结果负责。
1. 负责信贷风控类产品的市场和客户需求分析，找到行业痛点与市场增长点，形成产品方案与设计； 2. 跟进客户需求，能组织应用海量数据特征，协同算法、技术完成风控平台与服务的设计，降低资损，提高业务营收； 3. 解行业竞争趋势及市场情况，针对性优化解决方案，完成产品创新，提升产品效果，打造行业影响力。
1. Responsible for expanding local supply chain finance business in Indonesia under a multi-finance licensed entity, connecting with core enterprises, principals, logistical providers and financial institutions 2. Identify customers' capital needs in the supply chain and market suitable financial solutions (such as order financing, AR financing, working capital…etc.). 3. Conduct market research, feasibility analysis, and business model design across the full value chain of overseas financial credit technology. Identify competitive advantages and scalable growth pathways, and take ownership of business ROI and cost-effectiveness. 4. Develop commercial solutions for credit businesses, including customer acquisition, risk management, product operations, and financing services. Internally integrate resources and collaborate with cross-functional teams (product, data, modeling, strategy, R&D) to drive implementation. 5. Stay ahead of industry trends, regulations, and fintech developments in target markets. Deeply understand local legal, privacy, compliance, and data security requirements to design tailored solutions and operational models.
1. 信贷资产开发：负责对接境外资产发行方，建立并维护资产方资源网络，持续拓展资产来源渠道，完成境外信贷类资产的挖掘、筛选与获取； 2. 产品设计：参与信贷投资产品设计，涉及底层结构、增信措施、资产配置、期限流动性及对客定价等，既满足资产方的融资需要，又对客提供有竞争力的产品； 3. 商务谈判与项目推进：主导资产获取的商务谈判，设计合作架构与利益分配机制；协调内外部资源，推动资产引入项目落地；配合风控、合规团队完成资产尽调与准入审批； 4. 市场研究：跟踪信贷市场利率走势、监管政策变化；研究竞品 RWA 产品结构与投资策略；挖掘潜在资产机会，为投资方向提供市场洞察。 1. Credit Asset Sourcing & Development：Responsible for connecting with overseas asset issuers, establishing and maintaining asset provider networks, and continuously expanding funding sources；Complete the identification, screening, and acquisition of overseas credit assets; 2. Product Design：Participate in credit investment product design, including underlying structure, credit enhancement measures, asset allocation, tenor/liquidity management, and customer pricing；Balance asset providers' financing needs with delivering competitive products to investors; 3. Business Negotiation & Project Execution：Lead business negotiations for asset acquisition and design cooperation structures and profit-sharing mechanisms；Coordinate internal and external resources to drive asset onboarding projects to completion；Collaborate with risk management and compliance teams to complete asset due diligence and approval processes; 4. Market Research：Track credit market interest rate trends and regulatory policy changes；Research competitor RWA product structures and investment strategies；Identify potential asset opportunities and provide market insights for investment direction.