Collaborate with data science, product, business, and operations teams to improve and implement scorecards, underwriting rules, and decision processes.
Provide risk insights, analysis, and recommendations to stakeholders and senior management.
Drive credit risk policy enhancements from data analysis to system implementation; design underwriting system flows and participate in decision engine set up and testing.
...
Support the design of practical project timelines and implementation plans, ensuring dependencies, business priorities, and stakeholder needs are properly factored in.
Prioritize initiatives and manage multiple workstreams based on business impact, urgency, and operational requirements.
Collaborate with the Risk team to review and optimize KYC and AML operational processes.
...
Consolidate data from multiple data sources to create integrated views, reports, and dashboards to monitor business performance.
Work with the data engineering team to structure, curate, and optimize data marts to support scalable data applications
Develop variable tools/workflows and optimize existing processes to boost operational working efficiency, in both traditional and GenAI approaches.
...
Conduct onsite surveys, field visits, and borrower due diligence, including assessment of business operations, asset verification (e.g., trucks, fleets), management quality, and operational risks.
Manage portfolio risk and customer lifetime value through post-loan management, continuously monitoring the repayment and track the asset, initiate immediate contact for any missed payments, provide restructuring recommendations, and risk mitigation actions if necessary.
Develop, monitor, and enhance key risk indicators using internal and external data sources to identify emerging risk trends, concentration risks, and early warning signals.
...
Cross-Functional Collaboration: Partner closely with Marketing, Product, Commercial Merchants, and Data Science teams to build scalable, automated features (e.g., advanced device fingerprinting, KYC triggers) that minimize promo leakage.
Incident Response & Post-Mortem: Lead investigations into sudden budget drains or coordinated exploit incidents. Conduct root-cause analyses and implement immediate mitigation strategies to prevent recurrence.
Reporting & Metrics Tracking: Define and track key performance indicators (KPIs) for promo abuse, such as Fraud ROI, False Positive Rates, and total prevented loss, presenting insights regularly to senior leadership.
...