Credit Policy (Trade Finance)

Main Responsibilities:

• Credit Policy Development and Maintenance: Responsible for developing and maintaining credit policies that align with the company's risk management objectives and regulatory requirements.
• Data Analysis and Risk Identification: Utilize data analysis skills to deeply analyze credit data, identify risk patterns, and propose strategies to improve credit decision-making.
• Cross-Departmental Collaboration: Work closely with business departments to ensure the effective implementation and continuous optimization of credit policies.
• Market and Regulatory Dynamics Monitoring: Monitor market trends and regulatory changes, and update credit policies in a timely manner to adapt to market development.
• Report Writing and Decision Support: Write reports and documents related to credit policies, providing data-driven decision support for management.
• Industry Knowledge Application: Leverage in-depth understanding of the e-commerce industry, especially B2B supply chain and cross-border import/export national requirements, processes, and financing products, to optimize credit policies.

Requirements:

• Educational Background: Bachelor's degree or above in finance, economics, statistics, or related fields.
• Work Experience: At least 5 years of work experience in credit policy or risk management, with a background in banking and/or the e-commerce trade business preferred.
• Data Analysis Skills: Possess strong data analysis skills and be proficient in data analysis tools and software such as SQL, Excel, R, or Python.
• Communication Skills: Master English written and oral communication skills, and be able to write professional credit policy reports.
• Adaptability: Able to adapt to a fast-paced work environment and have good team spirit.
• Preference: Experience in cross-border e-commerce platforms/trade finance departments of financial institutions is preferred.