1- Lead and implement credit strategy for retail product including BNPL/Cash Loan product for one or multiple markets and take ownership of portfolio risk performance
2- Conduct risk assessment on user profile. Monitor and analyze risk indicators to fine tune underwriting and portfolio management policy
3-Familiar with and master various credit model algorithms, including but not limited to logistic regression, decision tree, random forest, GBDT, XGBoost, LightGBM, etc., and be able to reasonably choose and optimize according to specific business needs.
4-Responsible for building and optimizing credit scoring models, including data collection, preprocessing, feature engineering, model selection, model training and evaluation, and the entire process.

Bachelor Degree and above in Finance, Computer Science, Statistics, Economics, or other relevant fields from a worldly recognized university with good academic credentials
Minimum 5 years’ experience in risk management area in a sound financial institution, with good track record of risk performance of the managed portfolio
Strong background in statistics, mathematics, economics, or a related field.
Proficiency in programming languages such as R, Python, or SQL.
Experience with statistical modeling and predictive analytics.
Understanding of credit risk modeling and scoring methodologies.
Knowledge of data mining and machine learning techniques.
Ability to analyze large datasets and extract meaningful insights.
Familiarity with credit risk regulations and compliance standards.
Effective communication and presentation skills to convey complex analysis results to stakeholders.