Job Description

Key Responsibilities

Cross-Regional Risk Coordination: Serve as the central liaison between HQ and risk departments across all operating markets. Manage and coordinate risk management activities across regions to ensure consistent implementation and execution of global risk control standards locally.
Risk Strategy Optimization: Continuously evaluate and optimize risk strategies across markets (including credit risk, anti-fraud, and operational risk) in a fast-paced business environment. Drive strategy iterations and risk exposure optimization tailored to local market characteristics and risk performance.
Data Source Exploration & Analysis: Proactively explore and evaluate available internal and external data sources to identify data-driven risk management opportunities. Utilize SQL, Python, and other analytical tools to conduct in-depth data analysis and deliver actionable risk recommendations.
Risk Monitoring & Reporting: Establish and maintain a cross-regional risk monitoring framework. Regularly produce portfolio quality analysis reports for each market, including Vintage analysis, Roll Rate migration analysis, FPD (First Payment Default) analysis, and risk exposure monitoring. Provide early warning signals and drive regional strategy adjustments.
Regulatory Compliance & Audit Support: Assist local regulatory authorities with compliance audits. Ensure business operations across all markets comply with local regulatory requirements (e.g., MAS in Singapore, and financial regulators in other Southeast Asian markets). Participate in drafting and updating risk policies and procedures.
HQ Collaboration & Local Alignment: Work closely with HQ risk management team to communicate HQ risk directives and coordinate their execution by local risk control units. Simultaneously, feedback regional risk status, market insights, and compliance requirements to HQ to create a closed-loop information flow.
Cross-Functional Collaboration: Partner closely with Product, Engineering, Operations, Compliance, and Legal teams to drive systematic implementation of risk strategies. Participate in risk assessment and risk control design for new market expansions and new business/product launches.

Requirements

Education: Bachelor's degree or above in Finance, Statistics, Mathematics, Economics, Computer Science, or a related field.
Experience: 3–10 years of risk management experience in consumer finance, banking, fintech, or related domains. Hands-on experience in credit risk strategy or anti-fraud strategy is highly preferred. Experience in cross-regional/multi-market risk coordination or regulatory compliance audit support is a plus.
Technical Skills:SQL (Required)Python / R (Required)Excel / SASTableau / Power BI
Risk Methodology: Solid understanding of the full credit lifecycle risk management (pre-loan, mid-loan, post-loan). Proficient in Vintage analysis, Roll Rate analysis, FICO scoring systems, and PD/LGD/EAD risk quantification methods.
Language: Fluent in both English and Mandarin. Ability to use English as the primary working language for cross-team communication and documentation, while effectively collaborating with Chinese-speaking HQ teams.
Core Competencies: Outstanding analytical skills with meticulous attention to detail. Ability to extract business insights from complex data. Excellent cross-cultural communication and coordination skills to effectively bridge HQ and regional teams. Strong project management abilities and resilience to thrive in a fast-paced environment while managing multiple parallel workstreams.