Phúc lợi

Mô tả Công việc

Key responsibilities:

Underwriting strategy and Credit policy:

Analyze and continuously improve underwriting strategies, credit policies, and decision rules for lending products.
Monitor performance and effectiveless of existing underwriting rule and actively identify opportunities for optimization.
Propose changes to credit policies, underwriting rules, approval criteria, and customer segmentation based on data analysis
Conduct pre and post-implementation to evaluate the effectiveness of policy and rule changes.

Risk performance and Data analytics:

Monitor key underwriting and credit risk metrics across different customer segments, products, acquisitions channel, and vintages.
Conduct deep-dive analysis to identify unusual movements or potential issue in underwriting performance.
Independently extract, validate, and analyze large datasets using SQL.
Ability to translate analytical findings into clear and actionable business recommendations.

Underwriting projects:

Lead or independently manage underwriting-related projects from problem definition to implementation.
Work cross-functionally with Product, Data Science, Collection, and Business teams to implement underwriting improvements.

Qualifications

3-5+ years in lending/ fintech/ consumer-finance product, with hands-on exposure to unsecured cash loan, card or BNPL.
Experience in underwriting/policy, credit lifecycle, or partner-distribution / embedded-finance channels.
Strong quantitative and analytical abilities, including expertise in statistical analysis and risk modeling.
Working knowledge of SQL and proficiency in Excel are required. In addition, mastery in other database management software will be highly appreciated.
Strong analytical skills as proven from previous projects.
Innovative and adaptable, with a proven ability to meet evolving business challenges.
Excellent communication skills, with the ability to effectively present insights to diverse audiences.
Thrives in fast-paced settings, delivering consistent results under pressure.
Fluency in English is a must.