Key Responsibilities:

l Risk Management Framework Development:Establish and continuously improve a comprehensive risk management framework covering credit risk,market risk,operational risk,liquidity risk,compliance risk,reputational risk,and other relevant areas.

l Risk Strategy Formulation:Develop risk appetite,limit management systems,and risk policies in line with the company's strategy and regulatory requirements to ensure risks remain within controllable limits.

l Risk Assessment&Monitoring:Conduct regular risk identification and quantitative assessments,establish an early warning mechanism,produce independent risk reports,and present findings to the board of directors or risk committee.

l New Product/Business Risk Assessment:Perform preliminary risk reviews and propose risk control solutions for cross-border payment products,new business models,partnerships,and product innovations.

l Anti-Fraud&Credit Risk Management:Lead the development and optimization of anti-fraud models,credit scoring systems,transaction monitoring tools,and other risk control instruments to reduce bad debt and fraud losses.

l Stress Testing&Contingency Management:Organize stress tests,develop business continuity plans and risk emergency response plans to address extreme market or operational events.

l Regulatory Liaison&Compliance Coordination:Work in coordination with the compliance department to ensure adherence to regulatory requirements from central banks and financial regulatory authorities,including capital adequacy ratios,leverage ratios,liquidity coverage ratios,etc.

l Team Building&Management:Build and lead the risk management team(covering credit,market,operational,and model risk areas),set KPIs,and enhance professional capabilities.

Requirements:

l Bachelor's degree or higher in Finance,Economics,Mathematics,Statistics,Risk Management,or a related field;FRM,PRM,CFA(or equivalent)certification preferred.

l 5–8+years of risk management experience in financial institutions or large corporations,including at least 5 years in a risk leadership or senior management role.

l Deep understanding of risk characteristics in cross-border payments,banking,or fintech(e.g.,transaction fraud,foreign exchange risk,money laundering risk,liquidity risk).

l Proficiency in quantitative risk models and risk management systems.

l Familiarity with anti-fraud regulations and regulatory reporting requirements.

l Proven experience in communicating with regulatory bodies,auditors,and boards;English proficiency as a working language.

l Strong logical analysis,decision-making,stress tolerance,and cross-functional collaboration skills.