What you will do

• 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; 
• Strong knowledge at credit score, fraud score, behavior score; cross credit score model; backtest external/alternative data; 
• Proficient in SQL, bigquery, data visualize as data studio/powerBI; using python or Rstudio is a plus; 
• Bachelor’s degree (or equivalent) in finance or related field; 
• Logical thinking, proactive, data mining is a plus.