北京招聘

职位描述：
English is a must / 需要英语流利

Objective of Job
? Lead risk-related parts of strategic projects and process re-engineering including e-commerce, online credit approval, social scoring and use cases for big data.
? Closely collaborate with the global risk instruments team in rating model and scorecard development projects. Partner with the global DFS risk instruments experts on knowledge exchange on state of the art credit decision tools and processes. Maintain, validate and back test the rating models as applied for the corporate customer and dealer of China entities.
? Closely collaborate with RM HQ risk strategy to perform periodic risk parameter calibrations used for pricing and acquisition quality (Rorac & Qcats).
? Develop reports and dashboards which create transparency on the performance of the rating model, the scorecards and the BPRs on entity and segment levels.
? Support, as need may be, the development, implementation and monitoring of scorecards and business policy rules used to evaluate credit applications for the China entities.

Task & Responsibilities
? Lead risk-related parts of strategic projects and process re-engineering including
？ E-commerce, online credit approval, social scoring and use cases for big data.
？ Participate in local and global projects regarding faster and higher automated credit approval processes, including local e-commerce and online credit approval initiatives.
? Support the assessment and application of state of the art risk scoring & risk qualification methods and tools.
？ Participate in the analyses and assessments of the latest industry and economic trends in order to provide proper analysis and tools for risk evaluation. In particular, participate in the cooperation with PBOC’s credit bureau subsidiary and the newly licensed credit bureaus. Analyze and assess usability of social scores and big data in
？ credit decision process and for fraud prevention. Partner with the global DFS risk instruments experts on knowledge exchange on state of the art credit decision tools and processes.
? Maintain, validate and back test the rating models as applied for the corporate customer and dealer of China entities.
？ Participate in the development and implementation of DFS China’s rating models for dealer & corporate customer. This task requires strong collaboration with the risk management team at DFS HQ. Lead the binning process and the model validation and back testing. Closely collaborate with DFS China dealer credit organization to align the global rating model with the local risk classification concept (four quadrant model).
? Risk parameter calibrations for pricing and acquisition quality.
？ Closely collaborate with RM HQ risk strategy to perform periodic risk parameter calibrations used for pricing and acquisition quality (Rorac & Qcats).
? Reports & Dashboards.
？ Develop reports and dashboards which create transparency on the performance of the rating model, the scorecards and the BPRs on entity and segment levels. Provide reports and dashboards which reflect the steering of the DFS China acquisitions in accordance with the DFS China risk appetite.
? Support, as need may be, the development, implementation and monitoring of scorecards and business policy rules used to evaluate credit applications for the China entities.
？ Support timely and accurate maintenance of the scorecard and the BPR with respect to effectiveness and efficiency. Support the coordination of the hot fix and change request processes in close collaboration with local IT and retail credit.

Qualification, Competencies & Experience
? Qualification & skills:
？ University Degree in Mathematics, Finance, Economics, Business Administration or other relevant discipline
？ Knowledge of statistics, accounting, economics and risk management;
？ Strong knowledge of SQL, SAS or other 3GL and 4GL programming;
？ Excellent analytical skills including mathematics and statistics;
？ Knowledge of state of the art reporting tools and applications;
？ Good written and verbal communication skills;
？ Ability to work effectively across departments of the Financial organization.
？ Self-starter being able to work independently.
？ Fluency in Mandarin, strong working level to negotiation level English skills.
? Experience:
？ 5 or more years of experience in the financial services industry or in a function with focus on risk models and quantification;
？ Experience in developing rating models, analytical scorecards and other financial models related to risk.
？ Experience in data management and data analysis.
？ Experience with risk management concepts such as scoring and rating, RORAC and credit policies
？ Participation at trainings mandatory for this position. 举报 分享

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