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Objectives: The role will be responsible for setting/optimizing the retail credit policies and guidelines for retail financing (especially for used car), ensuring their correct implementation within Operations, and tracking contract performance. This will be carried out across different brands with different customer profiles. The focus will also include anti-fraud. 該職位將負(fù)責(zé)制定/優(yōu)化零售融資（包括二手車融資）的零售信貸政策和指南，確保其在運(yùn)營(yíng)中的正確實(shí)施，并跟蹤已簽訂合同表現(xiàn)，包括還款情況、逾期率等，及時(shí)發(fā)現(xiàn)問題并采取相應(yīng)措施。該職位針將對(duì)不同品牌和不同客戶群體的特點(diǎn)，制定相應(yīng)的信貸政策和風(fēng)險(xiǎn)控制措施，同時(shí)關(guān)注零售融資中的欺詐風(fēng)險(xiǎn)。 Job responsibilities: · Establish the credit policies and guidelines for retail business (especially for used car) including policy rules, verifications and documentation requirements. 制定零售業(yè)務(wù)（包括二手車業(yè)務(wù)）的信貸政策和指南，包括政策規(guī)則、驗(yàn)證和文件要求。 · Work with Retail Risk manager and Operation manager to ensure the correct implementation and optimization of policies and guidelines. 與零售風(fēng)險(xiǎn)經(jīng)理和運(yùn)營(yíng)經(jīng)理合作，確保政策和指南的正確實(shí)施和優(yōu)化。 · Ensure high level of communication and collaboration between Operation and Risk in training of Operations underwriting team. 確保運(yùn)營(yíng)和風(fēng)險(xiǎn)部門之間在高水平上進(jìn)行溝通和協(xié)作，培訓(xùn)運(yùn)營(yíng)審批團(tuán)隊(duì)。 · Ensure all policies/guidelines and admission decisions are aligned with regulatory authorities and overall company policies確保所有政策/指南和準(zhǔn)入決定與監(jiān)管機(jī)構(gòu)及公司整體政策保持一致。 · Collect, formulate and recommend the changes of the policies based on regulations, market information and the feedback from other departments such as Operations and Sales根據(jù)法規(guī)、市場(chǎng)信息以及來自運(yùn)營(yíng)、銷售等其他部門的反饋，收集、制定并推薦政策變更。 · Optimize decision engine rules to support CA make credit decision優(yōu)化決策引擎規(guī)則，以支持CA（信用審批）做出信貸決策。 Job requirements: · University degree or above holder擁有大學(xué)本科或以上學(xué)歷 · 5+ years of risk management/underwriting (especially for used car) experience 5年及以上風(fēng)險(xiǎn)管理/審批經(jīng)驗(yàn)（包括二手車業(yè)務(wù)） · Experience of auto finance lending to individuals and/or SME segments具備針對(duì)個(gè)人和/或中小企業(yè)（SME）汽車金融貸款經(jīng)驗(yàn) · Good communication skills in both spoken and written English and Mandarin具備良好的的英語和普通話口語及書面溝通能力 Competencies: · Strong ability to assess risk, able to make judgment and provide recommendation. 具備較強(qiáng)的風(fēng)險(xiǎn)評(píng)估能力，能夠做出判斷并提供建議。 · Excellent relationship building/ management skills with a diverse range of internal stakeholder.優(yōu)秀的跨部門與跨組織工作能力。