Risk Analyst

About the role

This role involves comprehensive credit risk analysis and management across the entire lending process, from customer registration and data verification through credit scoring, approval/disbursement, and post-loan performance monitoring. You will identify potential payment defaults and portfolio quality risks, develop and implement risk policies and rules, conduct statistical modelling and analysis, monitor portfolio performance, and investigate fraud and behavioral risks. The position requires cross-functional collaboration with Product, IT/Engineering, Data, Operations, and Business teams.

Key responsibilities

• Analyze and identify potential risks across the entire lending process, including registration, data verification, credit scoring, approval/disbursement, and post-loan customer performance to identify potential defaults and portfolio quality risks
• Conduct analysis of internal and third-party data to identify risk indicators, and develop credit risk rules, approval/rejection criteria, and risk mitigation strategies
• Collaborate with Product and IT/Engineering teams to translate risk policy and decision rules into automated credit decisioning and risk engine systems
• Analyze SLIK and credit information data to assess customer profiles and risk levels, and support SLIK verification for customer assessment and employee screening
• Perform data exploration, statistical analysis, regression analysis, feature analysis, and model testing to identify effective formulas and parameters for identifying and categorizing customer risk levels
• Monitor portfolio performance regularly, identify changes in risk indicators and delinquency/default patterns, and conduct root-cause analysis on risk increases
• Analyze customer behavior patterns and fraud indicators based on daily operational cases, and provide rule recommendations and mitigation actions
• Handle daily risk case analysis and investigation, including anomaly detection, fraud investigation, and customer behavior analysis, with recommendations to relevant teams
• Coordinate with Risk, Product, IT/Engineering, Data, Operations, and Business teams on policy implementation and system evaluation

About you

• Bachelor's degree in Statistics, Mathematics, Data Science, Computer Science, Engineering, Economics, Finance, or related field
• Minimum 2 years of experience in Credit Risk, Risk Analytics, Data Analytics, Data Science, or related field
• Experience in P2P Lending / Fintech Lending, Multifinance, Banking, or financial services industry
• Understanding of credit risk assessment, credit scoring, risk policy, and fraud detection
• Strong data analysis capabilities and ability to process large volumes of data
• Good SQL skills; experience with Python / R / Excel advanced or data processing tools is a plus
• Understanding of statistical analysis, regression, predictive modelling, feature analysis, or machine learning for credit risk is a plus
• Understanding of SLIK and credit information and their use in credit risk assessment
• Active communication ability in English and Mandarin, both verbal and written; Mandarin language proficiency is a key requirement for this position
• Ability to work independently and cross-functionally with Product, IT, Data, Operations, and Business teams; demonstrates ownership, proactivity, attention to detail, responsiveness, and accountability