Support the development, implementation and monitoring of scorecards, business policy rules and rating models used to evaluate credit applications for DMO China entities in addition to roll-out & continuous improvement of risk based collections models. Participate in the implementation of DMO China entities risk strategy and derived risk appetite into the decision processes and systems. Contribute to achieve an optimum of automated decisions and approvals based on the risk appetite. Work closely with the local credit operations teams, operations and sales regarding scoring processes. This task requires strong collaboration with the scoring center of competence at DMO HQ.

Manage operations and maintenance of the Blaze Decision Engine and ensure transparency and governance for correct scorecard and business policy rules (BPR) operations. Be co-owner of the local scoring guideline. Ensure timely and accurate maintenance of the scorecard and the BPRs with respect to effectiveness and efficiency. Coordinate the hot fix and change request processes in close collaboration with local IT and retail credit. Liaise with sales, operations and credit operations to ensure sound data quality in the decision process. Liaise with scoring center of competence at DMO HQ to prepare and present quarterly Monitoring and Validation reports.

Support the assessment and application of state of the art risk scoring & risk qualification methods and tools. Participate in the analyses and assessments of the latest industry and economic trends in order to provide proper analysis and tools for risk evaluation. In particular, participate in the cooperation with newly licensed credit bureaus. Analyze and assess usability of social scores and big data in credit decision process.

Participate in local and global projects regarding faster and higher automated credit approval processes, including local e-commerce initiatives. Participate in Global DMO Risk Instruements projects in order to ensure that the company utilize best of class practices as it pertains to risk processes and quantification tools.

Reports & Dashboards. Develop reports and dashboards which create transparency on the performance of the scorecards and the BPRs. Provide reports and dashboards which reflect the steering of the acquisitions in accordance with DMO China risk appetite. Provide transparency of the risk performance of various customer, vehicle and product segments.