Credit Risk Product Manager

DiDi Global Inc. is the world’s leading mobility technology platform. It offers a wide range of app-based services across markets including Asia-Pacific, Latin America and Africa, including ride hailing, taxi hailing, chauffeur, hitch and other forms of shared mobility as well as auto solutions, food delivery, intra-city freight, and financial services.

DiDi provides car owners, drivers, and delivery partners with flexible work and income opportunities. It is committed to collaborating with policymakers, the taxi industry, the automobile industry and the communities to solve the world’s transportation, environmental and employment challenges through the use of AI technology and localized smart transportation innovations. DiDi strives to create better life experiences and greater social value, by building a safe, inclusive and sustainable transportation and local services ecosystem for cities of the future.

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Design the BNPL credit risk control system(including rule engines, thirty party data call,risk assessment models, risk strategy frameworks,  etc.) and the system interaction logic with user product and credit core product teams,  to ensure that the products meet the business development requirements under the premise of controllable risks.

Also you will work closely with the business departments and technical teams to integrate the risk control concepts and requirements into the whole-process design of the BNPL credit products, from user registration, transaction authorization to the repayment process, ensuring the security and stability of the products.

• Cooperating with all stakeholders as the core contact person of the BNPL credit risk control products, maintain close communication and collaboration with multiple departments.
• Collaborating with the sales team to jointly formulate marketing strategies to ensure effective risk control while expanding the business
• Working closely with the technical team to promote the development, testing, and launch of the risk control system
• Cooperating with the legal department to ensure that the risk control products and business processes comply with relevant laws and regulations

• At least 5 years in fintech or finance industry
• Bachelor's or Post Graduate Degree, even higher Degree
• Good communication and cooperation skills
• One of BNPL or cash loan or cuenta or credit risk product design experience is “must-have”
• English speaking capability is “must-have” 

• We create customer value – We strive to always create valuable experiences for our users in everything we do. Our focus is to always innovate new experiences that are safe, pleasant, and efficient.
• We are data-driven – We are strong believers in making informed decisions, that’s why we are data-driven. We can better navigate the business landscape strategically by analyzing valuable metrics.
• We believe in Win-win Collaboration – Success is a team sport. When we work to help our partners and colleagues win, we win, too. While keeping everyone's best interest at heart, we communicate with candor and execute with excellence in all we do.
• We believe in integrity – Integrity is at the very core of our business. We are people who always want to do the right thing. Our intentions are sincere, we speak our minds and listen to each other.
• We always strive to do better. That means venturing beyond our comfort zones, learning from our mistakes, and helping each other grow.
• We believe in Diversity and Inclusion – Diversity is one of our biggest strengths. Our differences are what makes us distinct. We respect each other and believe in equal opportunities for all.

We are committed to building inclusive and diverse teams.

At DiDi, we believe that our differences are our biggest source of strength. That‘s why we are committed to promoting equal opportunities to all candidates and employees as an Equal Opportunity Employer.

Employment and advancement decisions at DiDi are always made based on the needs of the position and the qualifications of the candidate. We do not discriminate against any employee or applicant based on their gender, age, sexual orientation, nationality, marital status, pregnancy/maternity, disability, race, religion and beliefs, or any other status protected by applicable laws wherever we operate.

We are committed to building inclusive and diverse teams, and a workplace that is free from discrimination and harassment, because that’s how we create better products and services, make better decisions and better serve the communities we’re a part of.

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