Associate Product Owner, Credit Risk

About Mox
Mox is built by and for the ones who aspire to live life to the fullest – we call them Generation Mox! The name Mox reflects the endless opportunities we can create, - Mobile eXperience; Money eXperience; Money X (multiplier), eXponential growth, eXploration… it’s all up for us to define together.

Why Mox
Everything at Mox – from our products, features, to rewards – is designed based on customer research, tailor made for your needs. We care about what customers care about, especially in data security and privacy. Data ethics is core to everyone here at Mox. Mox rewards you with an array of banking and lifestyle benefits. Who says banking can’t be fun?

What we are looking for
We are looking for an Associate Product Owner of Credit Risk to manage retail credit risk strategy and the decision engine.

· Absorb requirements from risk teams and implement decision logics in credit decisioning flow

· Develop and monitor credit risk policies in credit decision engine.

· Drive the strategic direction of the Credit Risk Squad to optimize business outcomes through risk-informed decision-making in collaboration with Product stakeholders. Leverage technology-enabled solutions to minimize bank losses, fostering close collaboration with Risk, Collections, and Fraud teams to deliver impactful results.

· Conduct ongoing research on retail lending and credit risk, emerging trends, and new features. Identify potential updates or changes within the sector and proactively inform relevant teams about these developments, along with potential applications and usage scenarios in our services.

· Gather, track and manage user comments, bank needs, concept testing, analytics tools.

· Facilitate the build and testing of operational processes, systems, and reporting capabilities.

· Escalate credit risk issues timely and ensure appropriate mitigations are devised and implemented, engaging all key stakeholders.

· Working closely with Risk teams and Lending squads to plan the product features backlog, prioritize, evaluate and deliver the initiatives. Ensure all teams has an adequate amount of prior prepared tasks to work on.

· Design, monitor and report on product and risk KPIs, measure effectiveness of features and sharing results and insights within the organization.

· To automate, enhance and support the on-going process of credit risk analytics and MI reporting.

· University graduate, preferably in Statistics, Mathematics, Computer Science, Economics, Finance, Risk Management or a related discipline

· Coding experience in a must-have. SQL and Python preferred

· Experience and knowledge in retail credit risk product

· Familiar with credit bureau and credit decision systems; experience with FICO Decision Modeller is a plus

· Understanding of credit risk methodologies, with demonstrated experience of related modelling adoption and deployments

· Proficiency in assessing and comprehending the inherent credit risk associated with unsecured lending and credit card portfolios

· Outstanding communication, presentation, and leadership skills

· Exceptional interpersonal and communication skills

· Sharp analytical and problem-solving skills

· An ability to think strategically and creatively

· Attention to details