WeLab - Credit Risk Analytics Manager

• Establish the retail lending credit policy and analytics framework based on the Company’s Risk Appetite and ensure the credit risk tolerances/credit loss norm is met
• Conduct regular research to review retail lending credit policies and guidelines to ensure the company lending business grows healthily
• Responsible for credit analysis and coordinate with relevant stakeholders (e.g. Group Risk, Product Groups, Regulators, etc.) to achieve the credit initiatives
• Compile regular acquisition and portfolio MIS to ensure the performance is aligned with the budget expectation
• Support evaluation of business initiatives or related credit proposals
• Work on ad hoc projects
  

• Degree holder or above in Finance, Mathematics, Risk Management, Statistics or a related field
• Minimum 5 years of experience in banking industry with credit risk management of retail lending business
• Experienced in credit risk analysis and policy formulation
• Sound knowledge in personal loan credit risk management is preferable
• Able to work in a dynamic and multinational culture and cope with high pressure
• Strong senses of risk control and management
• Hands on experience in SAS programming language, additional Python knowledge is a plus
• Ability to build effective relationships and liaise effectively with key business areas and management at all levels of the organisation
• Experience in the latest industry development such as understanding of Artificial Intelligence and Machine Learning techniques will be an advantage

• Competitive salary
• Learning and development stipend, because we value lifelong learning and believe the best way to invest in our employees is to encourage them to continue to learn
• Work hard and laugh lots (chicken wings and french toast, etc.) with a high-performing, fun and diverse team
• Weekly afternoon teas and fully stocked fridge
• Coffee stipend
• Conveniently located office surrounded by diverse and delicious lunch options
• Lively office with gaming consoles and a ping pong table
• Fun extracurricular activities with your colleagues like hiking, yoga, badminton, wine tasting, dragon boat racing, rock climbing, etc.
• Employee referral bonuses

WeLab is a leading fintech company in Asia with one of the first virtual banks established in Hong Kong. WeLab provides financial services by creating seamless digital experiences to our 36 million customers across Hong Kong, Mainland China, and Indonesia. Our mission is to improve lives through game-changing technology and innovation.

Using its proprietary risk management technology and advanced AI capabilities. WeLab effectively analyses unstructured mobile big data within seconds to provide innovative financial services and offer consumer financing solutions for individual customers. The company also offers B2B solutions by partnering with traditional financial institutions, which utilize WeLab’s technology to offer fintech-enabled services to their customers.

WeLab’s investors include Malaysian sovereign wealth fund Khazanah Nasional Berhad, CK Hutchison’s TOM Group, International Finance Corporation (a member of the World Bank Group), Alibaba Entrepreneurs Fund, Sequoia Capital and ING Bank.