Objectives:

The role will be responsible for
setting/optimizing the retail credit policies and guidelines for retail
financing (especially for used car), ensuring their correct implementation
within Operations, and tracking contract performance. This will be carried out
across different brands with different customer profiles. The focus will also
include anti-fraud. 該職位將負責制定/優(yōu)化零售融資（包括二手車融資）的零售信貸政策和指南，確保其在運營中的正確實施，并跟蹤已簽訂合同表現(xiàn)，包括還款情況、逾期率等，及時發(fā)現(xiàn)問題并采取相應措施。該職位針將對不同品牌和不同客戶群體的特點，制定相應的信貸政策和風險控制措施，同時關注零售融資中的欺詐風險。

Job responsibilities:

·
Establish the credit policies and guidelines
for retail business (especially for used car)
including policy rules, verifications and documentation requirements. 制定零售業(yè)務（包括二手車業(yè)務）的信貸政策和指南，包括政策規(guī)則、驗證和文件要求。

·
Work with Retail Risk manager and
Operation manager to ensure the correct implementation and optimization of
policies and guidelines. 與零售風險經(jīng)理和運營經(jīng)理合作，確保政策和指南的正確實施和優(yōu)化。

·
Ensure high level of communication and
collaboration between Operation and Risk in training of Operations underwriting
team. 確保運營和風險部門之間在高水平上進行溝通和協(xié)作，培訓運營審批團隊。

·
Ensure all policies/guidelines and admission
decisions are aligned with regulatory authorities and overall company policies確保所有政策/指南和準入決定與監(jiān)管機構及公司整體政策保持一致。

·
Collect, formulate and recommend the changes
of the policies based on regulations, market information and the feedback from
other departments such as Operations and Sales根據(jù)法規(guī)、市場信息以及來自運營、銷售等其他部門的反饋，收集、制定并推薦政策變更。

·
Optimize decision engine rules to support CA
make credit decision優(yōu)化決策引擎規(guī)則，以支持CA（信用審批）做出信貸決策。

Job requirements:

·
University degree or above holder擁有大學本科或以上學歷

·
5+ years of risk
management/underwriting (especially for used car) experience 5年及以上風險管理/審批經(jīng)驗（包括二手車業(yè)務）

·
Experience of auto finance lending to
individuals and/or SME segments具備針對個人和/或中小企業(yè)（SME）汽車金融貸款經(jīng)驗

·
Good communication skills in both spoken and
written English and Mandarin具備良好的的英語和普通話口語及書面溝通能力

Competencies:

·
Strong ability to assess risk, able to make judgment
and provide recommendation. 具備較強的風險評估能力，能夠做出判斷并提供建議。

·
Excellent relationship building/ management
skills with a diverse range of internal stakeholder.優(yōu)秀的跨部門與跨組織工作能力。