Credit Risk Manager, Apollo

  • Full-time

Company Description

KMS Labs is the startup incubation arm of KMS Technology. Our team consists of technology entrepreneurs who have built successful product companies from scratch:

  • QASymphony - test management platform, merged with Tricentis, valued at $2B
  • Kobiton - mobile testing platform, raised $34M with over 60K customers
  • Katalon - test automation platform, raised $27M with over 1M users
  • GroveHR - HR platform used by 32K companies
  • Visily - In stealth mode and will disrupt how software is designed

Work with us if you are:

  • Hungry. You are ambitious and want to be part of a high-impact startup.
  • Versatile. You are able to wear multiple hats on a regular basis. 
  • Result-oriented. You are fanatical about getting things done.
  • Purpose-driven. You want to commit to a mission and the team that is behind it.

Job Description

Join our team to build a premier e-commerce & fintech platform to empower the trendy quality lifestyle for Gen Z in Vietnam. Our company is the newest company started from KMS Labs, led by the industry veterans who built and scaled various businesses in the past two decades. 

Well versed in Digital Lending space dealing with higher volume and lower ticket price, Consumer Risk Manager will define and fine-tune various credit profiles and associated rule sets  for targeted segments in order to drive the default rate below 1%

  • Set up rule sets for our Risk Decision Engine which determines the upcoming max spending limit for the next purchase, with low risk of collection/default
  • Analyze the performance of a certain credit ruleset, perform A/B testing and fine-tune/upgrade the rule set for a each credit profile
  • Segmentize the target customers into various credit profiles and set up credit ruleset for each profiles
  • Conduct consumer credit risk assessment and own the risk metrics; responsible for closely monitoring anomalies and identifying underlying drivers
  • Work with the executive team to craft and implement keyrisk initiatives that aim to bolster and optimize our capability to promote responsible spending habits for our users while optimizing our Account Receivables

Qualifications

  • A minimum of 01 year in the manager level of consumer finance credit, lending & credit risk operations
  • Must have experience setting credit policies, segmentize credit profiles and set up ruleset for credit decision engine (either directly or through internal/external technical team)
  • Possess deep understanding of the credit score model and variables that impact the scoring; exposure to the consumer credit scorecard
  • Must be hands-on and have a compromising eye for details
  • Experience to deal with thin credit profile is a big PLUS
  • Experienced with digital identity and anti-fraud with enriched alternative data sources is a PLUS
  • Excellent presentation & articulation skills in either Vietnamese or English
  • Required to work from either office location in Ho Chi Minh city, Da Nang or Ha Noi (Vietnam)

Additional Information

Perks you Enjoy

  • Highly competitive salary and benefits
  • Work with a highly talented team in one of the best places to work in Vietnam
  • Modern office in HCMC; premium healthcare insurance for you and your family; annual company trip and year-end party; many fitness/sport programs and team building events; in-house entertainment facilities, snacks and beverages.

And much more, join us to build high-impact global products from Vietnam!