Credit Approval Manager for Cross Border E-commerce

Key Responsibilities ：

• Credit Approval for Cross-border e-Commerce Products:
  Verify the authenticity and reasonableness of loan purposes for cross-border e-commerce customers
  Thoroughly review credit application materials, including customer information, financial documents, and credit history
• Conduct comprehensive risk assessments to evaluate the creditworthiness of cross-border e-commerce merchants, considering factors such as transaction patterns, industry trends, and external data sources
  Make well-informed credit decisions that balance risk mitigation and business growth objectives
  Comprehensive Risk Evaluation:
• Perform in-depth risk analysis based on customer information, internal risk control data, and findings from virtual site visits and background checks
  Develop detailed risk assessment reports that provide a clear and data-driven evaluation of the credit risks associated with each cross-border e-commerce customer
  Recommend appropriate credit limits, repayment terms, and risk mitigation measures to ensure the bank's exposure is within its risk appetite
• Credit Approval Process Design and Optimization:
  Design efficient and compliant credit approval workflows that streamline the decision-making process for cross-border e-commerce loan applications
• Continuously monitor and optimize the approval process to enhance responsiveness, reduce turnaround times, and maintain a high level of quality control
• Collaborate with cross-functional teams, such as technology, operations, and compliance, to ensure the credit approval process is aligned with the virtual bank's overall policies and procedures
• Benchmarking and Capability Enhancement:
  Stay up-to-date with the latest industry practices and regulatory developments in cross-border e-commerce credit risk management.Benchmark the bank's credit approval processes against those of peer virtual banks and fintech lenders to identify opportunities for improvement;
• Proactively develop your own expertise and that of your team to maintain a high level of competence in evaluating and managing the unique risks associated with cross-border e-commerce lending;
• Collateral and Guarantee Management:
  Ensure that appropriate collateral and guarantee measures are in place to mitigate the risks associated with cross-border e-commerce loans.Monitor the status of collateral and guarantees throughout the loan lifecycle and take necessary actions to protect the bank's interests.

Qualifications:

• Bachelor's degree or higher in finance, economics, international trade, accounting, or a related field.
  5+ years of experience in credit approval, with a strong track record in the virtual banking or fintech industry, particularly in cross-border e-commerce lending;
• Proven expertise in evaluating various corporate credit products, including a deep understanding of the risk factors associated with cross-border e-commerce transactions and supply chain financing;
  Excellent knowledge of corporate credit business-related policies, regulatory requirements, and approval processes, with the ability to apply this knowledge to the unique context of virtual banking.
• Proficient in data analysis, risk modeling, and credit decision-making, with the ability to interpret complex financial information and make well-informed, risk-adjusted decisions;
• Strong communication and collaboration skills, as you will work closely with cross-functional teams to ensure the seamless and compliant delivery of cross-border e-commerce credit products;
• Adaptable to a fast-paced, technology-driven environment and committed to continuous learning and improvement.