Conduct risk assessment on user profile. Monitor and analyze risk indicators to finetune underwriting and portfolio management policy
• Prepare and analyze risk reports such as portfolio performance, industry exposure, vendor performance and historical customer trends
• Coordinate with modeling team on risk tools development including decision scorecards and responsible for risk model evaluation and continuously monitor its performance to ensure the stability and accuracy of risk strategy
• Support conceptualization development for new credit products suitable for retail markets
• Track and monitor the full credit cycle performance and risk appetite metrics.
• Evaluate and influence to balanced business growth in the form of policy refinement and credit testing
• Ensure compliance with regulatory requirements and industry best practices
• Support country with portfolio deep-dive analyses and provide insights with recommendations on policy changes to improve portfolio quality.
• Collaborate with Business teams, Product teams, Engineering teams and Ops team to balance risk management target with business target and user experience