德宏招聘

Key objectives
1. Enhance trigger effectiveness and ensure fraud detection rate>=70%, field investigation rate>=40%
2. Ensure key risk indicators below budgeted level (incl. coverage, FPD30, 30+@MOB, LTS)
3. Set up 10+ new predictors and evaluate & fine tune existing triggers on quarterly basis
4. Conduct Fraud Type Investigation twice a year to identify fraud pattern and structure in China and identify loopholes of current processes
5. Set up process of fraud leads management and make sure all fraud leads could be traced in anti-fraud database for analysis
6. Provide analysis result and technical support for Investigation team and Acquisition team in any aspect
7. Team projects/tasks could be finished on schedule and not trade off performance for quality
8. Identify at least 1 successor and involve him/her in key anti-fraud business
9. Develop and maintain fraud warning system and processes relevant to complete loan life cycle (from underwriting to late collection)
10. Monitor execution of existing processes, identify loopholes and improve them by taking proper measures
11. Identify the weakness of credit cycles and design process for fraud prevention and regular reports for fraud monitoring
12. Manage team focusing on prevention, detection and fight with all forms of fraud: individual fraud (internal/external), organized fraud by data analysis
13. Develop infrastructure of anti-fraud database as well as its connection with other departments' database and all kinds of applications for fraud monitoring
14. Cooperate with Investigation team and Acquisition team to achieve anti-fraud team's targets
15. Cooperate with other teams/departments in order to maximize efficiency of fraud prevention, detection and monitoring
16. Manage team performance and develop talents

Duties and responsibilities
1. Develop and maintain fraud warning system and processes relevant to complete loan life cycle (from underwriting to late collection)
2. Monitor execution of existing processes, identify loopholes and improve them by taking proper measures
3. Identify the weakness of credit cycles and design process for fraud prevention and regular reports for fraud monitoring
4. Manage team focusing on prevention, detection and fight with all forms of fraud: individual fraud (internal/external), organized fraud by data analysis
5. Develop infrastructure of anti-fraud database as well as its connection with other departments' database and all kinds of applications for fraud monitoring
6. Develop, review and update anti-fraud processes, policy and procedure manuals. E.g. Trigger case monitoring process, Price cheating monitoring process, Suspicious ID fraud case management process, etc.
7. Providing data extraction and analysis to support special case decision from team members.
8. Develop, review and update anti-fraud processes, policy and procedure manuals. E.g. Trigger case monitoring process, Price cheating monitoring process, Suspicious ID fraud case management process, etc.
9. Implementation of Disciplinary Meeting management process.
10. Monitor the risk of different subjects to find the serious suspicious case timely, and take quick and right follow up actions.
11. Quality control, design/prepare monitoring reports to control the quality of cases followed up.
12. Train company business and anti-fraud business process to new comers, train follow up actions to team members.

Regular Activities
1. Review the fraud monitoring reports, and follow up the detected risk/fraud issues.
2. Check suspicious case by data analysis, comparing photos, calling with different subjects and evaluating previous risk performance to take different follow up actions, including subjects’ block, field investigation case set up and case cancelled.
3. Read field investigation report from security investigator and communicate with security investigator to ensure the quality of investigation.
4. Communication with security department for the delayed cases and solve the problem during the period.
5. Summarize the situation of trigger case at regular intervals and indicate the findings and give out the proposals.
6. 1. Define strategic direction of team and set effective tactical plans to achieve it
7. 2. Monitor team's and individual's performance on daily basis, provide necessary resources and ensure plan be carried out as expected
8. 3. Monitor trigger performance on daily basis and performance, identify weakness and propose improvement
9. 4. Monitor processes execution on monthly basis, identify loopholes and propose improvement
10. 5. Manage access rights of different users in anti-fraud database
11. 6. Monitor data ETL performance in anti-fraud database and ETL performance of data input/output for fraud monitoring or fraud prevention process in other databases
12. 7. Create manual/description for fraud prevention processes
13. 8. Conduct regular meeting with Investigation team and Acquisition team to discuss anti-fraud business
9. Conduct individual performance review with team members on regular basis

Requirements
Requirements
a. Education/Experience
1. Minimum three-year experience in financial institution or bank (minimum two-year experience in anti-fraud field)
2. Bachelor degree, preferably with major in Mathematics, Economics, Computer Science and Law.
3. Experience with fraud prevention/monitoring in retail banking is big advantage
4. Knowledge of underwriting and collection processes in international financial groups is big advantage
5. Minimum one-year team management experience, experience with remote management is big advantage
6. More than 5 years work experience and 3 years in financial industry or investigation orientation, experience of management as an advantage.

b. Required skill
1. Skillful at SQL, Oracle, VBA or other programming languages and MS offices (especially EXCEL, WORD, POWERPOINT, OUTLOOK)
2. Good analytical skills (SQL, ORACLE…), excellent communication, presentation, and negotiation skills.
3. Excellent analytical thinking and project management.
4. Capability of data analysis and interpreting charts and figures
5. Knowledge of data management
6. Excellent communication and presentation skills
7. Willingness to work in international team
8. Capability of dealing with stress; flexible and result-oriented
9. Good oral and written English

    作为一家持牌消费金融公司，捷信消费金融有限公司（简称：捷信），其股东为国际领先的消费金融服务提供商捷信集团，于2010年底正式在中国开业，为中国的客户提供消费金融服务。消费是促进中国经济结构转型的重要推动力。捷信积极响应国家扩大内需、大力发展消费金融的要求，通过为客户提供安全、负责任的消费金融服务，持续为中国的经济发展和人民生活水平的提高做出贡献。
    基于卓越的数据捕捉和分析能力，并采用大数据和生物识别技术，捷信将先进的风险管理能力渗透到业务流程的每一个环节。目前，捷信已将人脸识别和OCR光学字符识别技术应用在贷款审批环节，在确保客户信息准确性和可靠性的同时，对风控流程进行了大幅高效简化。
    不仅如此，在客户服务领域，捷信在逐步增加自动化客服工具的应用，并将基于人工智能的语音机器人、文本聊天机器人和质检机器人应用在客服环节，提升服务效率。相比传统的人工智能，捷信配备的机器人在语义理解和机器学习方面更加智能、高效，可以随时随地为客户提供服务，并快速适应新的业务情境。其中，文本聊天机器人已接入到捷信官方微信平台，平均每天可处理约50,000-70,000个客户问题，客户只需等候最多1秒就会接通，而语音机器人的每日呼出量也达到了约5,000,000次。智能机器人与专业客服人员一起，可为客户提供7天无休的专业服务，这些技术创新保证了服务流程更加顺畅，显著提升了服务效率。同时，捷信在不断加快数字化的步伐。至今已有超过4000万用户注册了捷信金融APP，从而进入到捷信的服务生态体系中。

主要奖项Company Awards
2020年奖项
2020年58同城•招聘中国卓越雇主五十强
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《金融界》“杰出消费金融创新服务奖”
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2019年奖项
2019智联招聘中国最具发展潜力雇主
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2019中国雇主品牌年会中国***雇主奖
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2019经济观察报消费金融之星
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