微信支付-风险策略产品经理
Core
Designing and optimizing risk strategies for consumer credit and installment loan products to manage pre-loan and in-loan risks.
Role type
Senior risk strategy product manager (consumer credit)
Builds
Pre-loan and in-loan risk management strategies, credit limits, and risk monitoring systems for installment loan products.
Domain
Consumer finance / Credit risk
Deliverable
production ML models
Required skills
Consumer credit risk strategy design, Pre-loan and in-loan risk management, Credit limit management, Risk stratification, Data analysis for risk identification, Risk model application, Strategy iteration and optimization
Preferred skills
Experience with cash loan products, User lifecycle analysis, Risk attribution analysis
Technologies
Risk models, Data analysis tools, Experimentation frameworks
Responsibilities
Design and iterate pre-loan and in-loan risk management strategies, Develop risk identification and optimization plans based on user behavior and asset quality, Analyze risk trends and key factors to identify root causes, Monitor asset performance and risk migration, Evaluate strategy effectiveness through backtesting and experiments, Collaborate with algorithm teams to implement risk models.