Experience

OneConnect Smart Technology

• China
• Technology, Information and Internet
• 1 - 100 Employee

• Deputy Risk Director

  • Apr 2018 - Present

  - Set up credit product internal management rules and regulations stipulating roles and responsibilities of various function and approval process, pertaining to new product launch, existing product performance monitoring as well as early warning - Product design from risk perspective covering target market, customer segmentation, product workflow, profitability model etc. In addition, formulate credit policy and prepare product manual accordingly - Explore the potential of external credit data sources on top of existing accessed ones in order to enrich the scope and dimension of credit data applying on all-round credit strategy - Optimization of end to end business workflow in terms of simplifying customer application process, automatizing information verification and intelligent credit approval by means of technology and credit data usage. Integration with customer differential risk strategy to achieve 50% TAT save and 30% portfolio delinquency deduction - Provide tailor-made credit strategy solution product covering RAC, risk segmentation, credit line assignment etc. to financial institutions, along with follow-up local system implementation or centralized management Show less



UCF Group

• Egypt
• Transportation, Logistics, Supply Chain and Storage
• 1 - 100 Employee

• Risk Director

  • Apr 2016 - Feb 2018

  JUN17-FEB18 Deputy Risk Director, Consumer Finance Risk Management, JF Pal Co. Ltd. APR16-JUN17 Risk Director, Consumer Finance Risk Management, NCF Group Co. Ltd. - Based on existing group-level risk structure, lead in designing risk management org-chart for consumer finance, layout the procedure of credit limit request from affiliate institution and portfolio management policy - Providing observation and adjustment advice for potential credit limit request programs and existing ones. Meanwhile, provide consultancy or suggestion for development plan of consumer finance institution - In responsible of formation, monitoring and enhancement of credit policy, as well as system implementation, for own product and leads product from various channel cooperation - Layout the foundation of Management Information System(MIS) of credit cycle by setting up quantitative standards and reporting mechanism, and follow up improvements. And score card development - Design management structure for Collection including staffing, procedure, salary and incentive scheme, as well as introduction of outsourcing agency with achieving 40% recovery ratio - Co-ordinate the project of implementing risk related information sharing platform according to regulation of small and medium enterprise - In charge of credit approval of supply chain finance project, and involve in establishing business policy and procedure of supply chain finance Show less



Citi

• Mexico
• IT Services and IT Consulting
• 100 - 200 Employee

• Credit Policy Manager

  • Jun 2008 - Apr 2016

  SEP12-APR16 AVP, Credit Policy Manager, Rural Finance (including Unsecured Personal Loan and Secured Personal Loan backed with Residential/Commercial Property) JUN08-SEP12 Manager/AVP, Credit Analyst/Credit Policy Manager, Unsecured Personal Loan(UPL) - Following closely on Macro economics, Regulations updates, perform market research for credit product launch and adjustment - Formulate and maintain acquisition/portfolio management policies, setup credit underwriting process, layout credit changes policy and initiate credit testing - Credit Decision Engine and Credit Approval system parameter set and maintenance - Develop Management Information System(MIS) Infrastructure for acquisition/portfolio analysis as well as portfolio management tools - Participate into preparing Collection and foreclosure strategy/process for both Unsecured Personal Loan and Secured Loan backed with property - Perform portfolio stress test, credit loss planning and loan loss reservation preparation - Develop PBOC credit bureau management structure, maintain relevant policy and procedure - Co-ordinate mainframe system platform enhancement project Show less



Overseas Work Experience

• Human Resources Services
• 1 - 100 Employee

• Administration Manager

  • Mar 2005 - Jan 2008

  AUG07-JAN08 Comprehensive Administration Dept, Great Desert Enterprises Limited, Dubai, UAE MAR05-AUG07 Accountant, Richway Property Development Pty Ltd, Sydney, AUS - General accounting management(Payroll, Superannuation and worker's compensation), cash flow control, Project finance - Payroll Tax and Goods & Services Tax reporting duties - Real estate investment information collection, analyses, and reporting - Liaison with master developer, design company, real estate agency, Certified Accounting firms and banking institute Show less