Work closely with AI &
Data scientists to develop and enhance the in-house credit decision engine for all lending products;
Lead the end-end process and get the alignment with partner/lender to implement the underwriting strategy for lending partnership products;
Persistently do the A/B testing to validate the hypothesis and evaluate the risk & reward before making any changes in the credit decision engine;
Proactively discover the internal and external data that supports the underwriting strategy as well optimize the profitability of the credit portfolio;
Participate in development of the credit score with the AI team and incorporate the external score and then design the score strategy for all lending products.
3 or more years of experience in the underwriting & risk strategy, credit portfolio management or product portfolio management at Fintech, Consumer Finance Company and Retail Risk;
Exposure with digital lending and alternative data/score is preferred;
Strong understanding of digital lending product development cycle and credit decision engine is plus;
Proven track record to apply the risk & reward framework in order to optimize the portfolio;
Comprehensive knowledge of SQL programming & MS office;
Strong team player and team building skills.
