Rabbit Cash Co., Ltd.

About this position

Responsibilities

• Establish & maintain credit criteria and underwriting framework to ensure portfolio acquisition quality.
• Provide business decision support through segmentation and targeted acquisition analysis by leveraging deep dive data analytics from internal and partnership data.
• Promptly engage with new regulatory announcement, portfolio risk issues to the credit underwriting policy, risk cost calculation, lending operation, and ensure that policies/approaches are revised to be compliance with the regulatory requirement.
• Partnership with cross functional units to ensure the effectiveness of credit process, fraud risk assessment, credit decision system, data management and analytics tools. Initiate process improvement where appropriate.
• Setup and propose Risk appetized framework. Manage and monitor to ensure the portfolio risk is within the threshold level and expected profitability of portfolio. Ensure that appropriated proactive actions are promptly addressed/taken if necessary.
• Manage and forecast risk cost to reflect portfolio risk level and support for financial planning.
• Establish portfolio reporting and analytics standard and embedding into risk decision making.
• Work closely with collection team to design the collection strategy and process.
• Assist with developing and implementing Operational Risk Framework and all associated policies and procedures (including risk metrics/ monitors) and ensure they are effectively embedded into the company’s control environments.
• Act as the central point of contact for operational risks arising from portfolio assigned (but not limited to) i.e. Cyber/ Technology and Fraud Risk.
• Challenge business activities/ processes that are not aligned with the established risk appetite, controls that are not adequately designed or dispensation/ residual risk acceptance that have not been approved by the appropriate authority.
• Collaborate extensively with the stakeholders (Technology, Information Security, Product, Platform, Compliance and Operations teams & etc) during the "build" phase to ensure systems/ processes are built with robustness and clear accountability.
• Monitor all risk events against the Company's established Risk Appetite, Limits & Thresholds and to work with Issue Owner/ Risk Owner in taking proactive measures to prevent any breaches.

Requirements

• Master’s Degree or higher in MBA, Finance, Statistics, Engineer, Economics, or any related fields.
• At least 2-5 years experiences credit Risk management in retail banking, consumer finance.
• Analytical mindset with excellent critical thinking ability and data analytics skills.
• Excellent computer skills and programming tools such as R, Python, SAS and SQL.
• Good command in both written and spoken English.
• Prior experience in a digital leading or fin-tech start-up is a plus.

Benefits