Risk Policy

3 days ago

Thành phố Hồ Chí Minh, Vietnam Shopee Full time

Department Risk Management
- LevelExperienced (Individual Contributor)
- LocationVietnam - Ho Chi Minh City

The Compliance and Risk Management team ensures that Shopee complies with applicable regulations and is primed for success with the right checks and balances while safeguarding the interests of our stakeholders in an inclusive and sustainable digital ecosystem. The team manages potential risks to the company's operations and reputation through risk assessments, internal fraud control, employee training as well as the implementation of information technology policy and cyber security tools.
- You will be responsible for building, implementing, and managing the entire risk framework for our offline installment products at merchant locations, focusing on high-value items like mobile phones and motorbikes.
- Your key responsibilities will include:
**1. Credit Risk Management**:

- Policy Development: Analyze customer data, repayment behavior, and risk factors to develop and refine credit policies for offline products.
- Portfolio Analysis: Monitor and analyze the performance of our loan portfolio, including delinquency rates and Non-Performing Loan (NPL) ratios. Provide regular reports and early warning signals to stakeholders.
- Strategy Implementation: Set and adjust approval matrices, credit limits, and rejection rules to balance business growth and risk control.

**2. Fraud Risk Management**:

- Incident Investigation: Conduct in-depth investigations into complex fraud cases to uncover root causes and prevent recurrence.
- Process Improvement: Continuously analyze fraud trends and evaluate the effectiveness of our detection tools, recommending necessary improvements.
- Framework Creation: Develop and execute a comprehensive fraud prevention strategy tailored to the unique challenges of offline sales channels.
- Rule Engine Management: Identify and build rules to automatically detect suspicious activities such as forged documents, inconsistent information, or collusive fraud between staff and customers.

**3. Collaboration & Training**:

- Work closely with the Reg AF and Policy Risk, Product, BD, Operations, and Collections teams to ensure risk policies are integrated and followed across all business functions.
- Provide regular training to AF agents/ sales agents and BD teams to raise awareness of fraud risks and proper handling of suspicious cases.

**Requirements**:

- 3-5 years of experience in credit risk management or fraud management within the consumer finance, fintech, or micro-lending sectors.
- Analytical Proficiency: Proficient in data analysis tools such as SQL, Python/R, and data visualization tools.
- Critical Thinking: Strong logical and analytical skills with the ability to make data-driven decisions.
- Market Knowledge: A deep understanding of the consumer lending market, data sources, and credit scoring models.
- Fraud Detection: Specific experience in building and managing fraud detection rules and investigating fraud cases.
- Communication: Excellent communication and presentation skills, with the ability to explain complex risk concepts to non-technical stakeholders.
- Specific experience with unsecured loans or installment products for the underbanked segment is a strong plus.
- Proven experience in managing risk for offline products like mobile phones and motorbikes is highly desirable.

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