We are looking for a highly skilled and experienced CreditTech Manager to join our dynamic team. The idea candidate will be responsible for managing credit risk portfolio associated with our financial products and services. This role requires a deep understanding of credit risk management to support various departments in optimizing the Financial service business model.

What you will do

• Collaborate with AI/Modelling team & other teams to:
• Ensure credit risk of eachlending product is within its target without significant sacrifice of salespool (including but not limited to regular review & implement newinitiatives on internal decision engine, fraud triggers, third party dataimplementation & collection efficiency);
• Ensure pre-approval mechanicsand approval rate is highly optimized over-time;
• Maximize & acceleraterepeated sales for each existing product portfolio;
• Ensure the balance betweenCustomer Experience (Application drop rate, Approval TAT, Decision enginetimeout, etc.) and Effectiveness of Risk Management Activities which will beimplemented from onboarding process to soft collection process;

• Partly responsible for each Product P&L (Collectedfee/interest – Credit loss – Alternative data cost);
• Partner with product, marketing, and operations teams toalign credit risk strategies with business objectives.
• Provide insights and recommendations to support thedevelopment and enhancement of credit products.
• Engage with stakeholders to ensure effective communicationand coordination across departments.
• Manage a team of Credit Risk Analytic: Lead and manage team,providing guidance, support, and professional development.
• Responsible for Credit Portfolio Reporting.

What you will need

• University degree holder or above in Finance, Economics,Accountancy or related discipline;
• 3+ years of experience in Credit Risk Management of DigitalLending/ Unsecured Lending;
• Solid understanding/experience of third-party data/scoringimplementation;
• Experience working with digital lending product for massedconsumer market is a nice to have;
• A data-driven approach to problem solving;
• Good negotiation skills;
• A creative approach for risk management activities;
• A strong understanding of lending products, risk portfoliomanagement;
• A desire to move quickly and grow in a fast-pacedenvironment;
• Highly motivated, eager to learn and work hard, good teamworking skill;
• Good communication skills;
• Detail oriented;
• Ability to deal with stressful situations.