1. Post-Lending Strategy Optimization
Responsible for the formulation, implementation, and iterative optimization of end-to-end post-lending strategies for overseas markets. Utilize data analysis to identify key factors impacting repayment rates and design differentiated treatment strategies (e.g., collection intensity, frequency, channels) based on customer segmentation and clustering.
Establish a comprehensive monitoring indicator and reporting system for asset quality.
Monitor collection performance across various delinquency stages, conduct in-depth analysis to develop actionable business improvement plans, regularly evaluate strategy effectiveness, and propose iterative optimization plans.
2. Data Analysis
Employ statistical methods (e.g., Survival Analysis, Attribution Analysis) to forecast delinquency trends, identify high-risk customer segments, and develop preemptive intervention measures.
Participate in and support the setting of annual/semi-annual business line risk targets, the forecasting and evaluation of recovery rates and net recovery rates, and provide forward-looking risk warnings.
3. Cross-Departmental Collaboration
Collaborate with Risk Control, Product, and Technology teams to translate strategies into implementable rules or system parameters (e.g., collection queue assignment, automated contact logic).
4. Compliance and Innovation
Ensure collection strategies comply with regulatory requirements (e.g., Personal Information Protection Law, collection conduct guidelines), balancing compliance with recovery effectiveness.
Explore innovative approaches (e.g., intelligent voice bots, psychological gamification in collection scripts) to enhance the technological advancement of collection practices.