Responsible for the overall risk management of the bank's risk asset portfolio, regularly analyzing asset quality, industry concentration, customer risk ratings, and other indicators.
Monitor overdue loans, non-performing loans, and early warning signals; develop risk mitigation measures and optimize asset structure.
Identify potential risk points through data analysis and propose recommendations for adjusting risk control policies or customer strategies.
Data Modeling and Analysis:
Utilize data analysis tools (such as SQL, Python, R, SAS, Excel, etc.) to conduct business data mining, modeling, and trend forecasting.
Develop and optimize risk rating models, scoring cards, stress testing models, etc., to support risk control decisions.
Regularly generate asset portfolio reports, providing data support and decision-making advice to management.
Policy and Process Optimization:
Participate in the formulation and optimization of risk management policies, credit granting standards, and processes to ensure compliance with regulatory requirements and the bank's risk control objectives.
Track industry trends and changes in regulatory policies, and adjust portfolio management strategies in a timely manner.
Cross-Departmental Collaboration:
Collaborate with business departments, risk control teams, the finance department, etc., to promote the improvement of risk asset quality and the steady development of business.
Assist in internal and external audits and regulatory inspections to ensure credit management compliance.
Qualifications:
Bachelor's degree or above, preferably in finance, economics, mathematics, statistics, computer science, or related fields.
5+ years of experience in risk management and data analysis in a bank or financial institution, with familiarity with the entire credit business process.
Experience in risk asset portfolio management or credit risk modeling is preferred.
Data Analysis Skills: Proficient in at least one data analysis tool such as SQL, Python, R, or SAS.
Financial Knowledge: Familiar with bank credit products, risk management frameworks, and regulatory requirements (e.g. Basel Accords).
Tool Proficiency: Proficient in using Excel (VBA, pivot tables, etc.), Power BI/Tableau, and other visualization tools.
Reporting Skills: Ability to independently compile analytical reports, clearly presenting data insights.
Strong logical thinking, attention to detail, and excellent risk awareness and problem-solving skills.
Possession of FRM, CFA, CPA, or other finance or risk management-related certifications.
Experience in big data risk control or the application of AI in credit risk management
Interested candidates, please send your detailed resume with contact telephone number, earliest availability date, current and expected salary via "Apply Now".
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Full-time
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