Monitor credit portfolio performance of assigned lending products, including but not limited to sales volume, approval rate, collection performance, credit loss rate, approval & UW costs, collection costs, marketing costs, EBITDA P&L;
Evaluate & revise timely the verification process, risk acceptance criteria, scoring matrix, risk targets and collection targets of assigned products in order to meet business/product needs;
Use early risk indicator metrics and data visualization effectively to report portfolio performance and support decision-making, escalate issues that threaten portfolio;
Optimize operational performance & potential improvements of every end-to-end approval process & collection process of assigned product, propose and take corrective actions and monitoring;
Able to deep dive analyze, explore data analysis on both internal & external data, backtest external data service & propose to implement in order to manage either portfolio risk performance or sales target or profitability target;
Coordinate with related teams/partners to enable/enhance approval STP, implement new changes and monitor after go-live.
What you will need
Two or more years of experience in retail Credit Risk Management or Fintech lending;
