深圳招聘

职位描述：
Responsibilities and tasks
? To be responsible for the final losses of Company's loan portfolio;
? Design and test of credit policy rules;
? Cooperation with sale/business team;
? Participation in company budgeting (risk and defaults forecasts);
? Portfolio and vintage analysis, customer data segmentation. Detection of problem segments and vintages, credit policy changes which should solve the detected problems;
? External data analysis, upgrade of existent credit policy rules and models;
? To manage risk analytical team, to set tasks for model and rules analysis and development;
? Collection strategy review and adjustments;
 
Knowledge and experience
? At least 2-3 years on similar position working experience in financial institutions, consulting companies (preferred)
? Strong analytical and management skills
? Risk reports and metrics knowledge and experience
? Knowledge of consumer finance risk tools and methods
? SAS and SQL knowledge as additional advantage
? Fluent in English listening, speaking, reading & writing Interview questionnaire:
 
1. Please describe 3 main instrument which allow to reduce risk of Microfinance company which works in the same segment.
2. Please indicate 3 main risk parameters (metrics) which represent the quality of retail risk portfolio. Describe each parameter. Give possible estimation of the possible values of those metrics for the company with the same business.
3. Describe possible 2-3 external sources of data which can be used for credit decisioning.
Possible suggestions – social networks, telecom operators, payment systems, utility services providers. Describe how those sources can help to make loan application decision.
4. Give your suggestion for the maximum value of monthly loan as a percentage of customer income. Give you suggestions about particular values for average income of target segment and correspondent amount of maximum limit.
5. Suggest criteria of credit history assessment for the purpose of repeat sales (How we will select customers in order to make offer for the second loan?)
 

Interview questionnaire:
 
1. Please describe 3 main instrument which allow to reduce risk of Microfinance company which works in the same segment.
2. Please indicate 3 main risk parameters (metrics) which represent the quality of retail risk portfolio. Describe each parameter. Give possible estimation of the possible values of those metrics for the company with the same business.
3. Describe possible 2-3 external sources of data which can be used for credit decisioning.
Possible suggestions – social networks, telecom operators, payment systems, utility services providers. Describe how those sources can help to make loan application decision.
4. Give your suggestion for the maximum value of monthly loan as a percentage of customer income. Give you suggestions about particular values for average income of target segment and correspondent amount of maximum limit.
5. Suggest criteria of credit history assessment for the purpose of repeat sales (How we will select customers in order to make offer for the second loan?) 举报 分享

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