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Senior Risk Strategist, ZaloPay (eKYC & Credit Risk)

OfficialBusiness SupportRisk Management23-RISK-0918
locationho chi minh city
View this job in
English

Job description

Risk Management team at ZaloPay gather highly motivated team players who dedicate in risk assessment, analyzing fraud & abuse patterns and then creating and adapting advanced prevention mechanisms while focusing on the use rand customer experience.

As a Senior Risk Strategist you will have opportunities to:
  • Be involved in Fintech business with ZaloPay - expected to be one of the leading e-payment products in Vietnam;
  • Wide up your knowledge in Risk management area of Fintech/ E-commerce industry;
  • Be in charge of Risk management policy & operation for KYC Fraud & Credit Risk;
  • Work with our experts and get knowledge or deep insights (e.g., market, trends, user behaviors, etc.) from other components of Fintech area (e.g., business intelligence, data analysis, tech, product, etc.);
What you will do:
  • Be responsible for the quality, impact, and cost of our eKYC product. Understand, own and maintain risk management process for controlling eKYC fraud;
  • Evaluate and make decisions to choose the best eKYC vendors; define strategies, risk monitoring, detection & mitigation plan to optimize UX, PnL, risk controls and enable succeeding products/businesses with different risk appetites;
  • Monitor and detect risks in eKYC flow, financial products, or system operations and customer transactions related to fraudsters;
  • Define & monitor statistics of multiple fraud attack methodologies, e.g., abnormal behaviors, images/data spoofing/hijacking attack, cash-out;
  • Monitor statistics related to authentication, authorization; analyze fraud transactions, fraud eKYC profiles detected by post-mortem & monitoring systems;
  • Evaluate risk of suspended requests and decide whether they are accepted;
  • Take actions to stop fraud during product launch, operations;
  • Participate in developing new ZaloPay’s features/products at risk management perspective.
  • Analyze potential risks of features/products;
  • Propose solutions to help features/product to be released with compliance.
Work closely with Business & Product teams, Data Analysts & Data Scientists on
  • Continuously refining the product mechanics, user segmentation, limit assignment and Risk requirements to control, reduce loss & cost without impeding user experience for the good users;
  • Deep-dive into suspicious fraud cases to identify malicious behavior, vulnerabilities;
  • Analyzing to understand the difference between normal users and fraudsters/abusers; proposing rules & model updates to increase coverage rate, reduce loss rate and false-positive rate (low impact to normal users) of Risk Engine.

Requirement

  • Have 2+ years of experience at bank/payment companies or fintech companies or e-commerce companies;
  • Knowledge of eKYC/landing is preferred;
  • Ability to identify and analyze trends or patterns of normal users and fraudsters;
  • Ability to predict user and fraudster behavior for better on-going risk controls;
  • Be open-minded, eager to learn new things and embrace challenges;
  • Logical thinking and problem solving skills – ability to identify the root cause, evaluate potential loss, user experience impact; and quickly give solution;
  • Great communication skills – ability to communicate well with teams to give persuasive opinions and define rules;
  • Ability to manage multiple tasks and deadlines;
Nice to have:
  • Ability to interpret data, analyze and visualize results with tools;
  • Ability to work well in a fast-paced environment;
  • Fluent in English.