Senior Risk Strategist, ZaloPay (eKYC & Credit Risk)

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.