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.