1. Understand the risk categories and indicators of various credit loans and regularly update the indicator, participate in product design, identify risk points, analyse the feasibility of the production, and follow up testings before launch;

2. Responsible for product internal and external data quality and integrity evaluation, analysis and monitoring, ability to independently carry out analysis of financial statements and predict relevant indicators, involve in data mart development and result analysis application of the whole process (before, during and after loan);

3. Improve the data system and content of products constantly, and give data-based suggestions for upgrading features of existing products;

4. Establish and constantly promote monitoring index system and early warning threshold, monitor changes in daily data, and find new growth points based on the data;

5. Transform the research achievement into business rules and follow up the implementation, and use data warehouse and data mart to generate various derived variables for model and analysis;

6. Ability to carry out data mining projects independently, be responsible for all kinds of credit data analysis, user features mining, and establish risk information views;

7. Other temporary tasks assigned by superiors.

1. Bachelor degree or above, major in computer, mathematics, statistics, economics, etc.

2. At least 3 years of working experience in data mining of Internet finance, consumer finance company and bank credit card center or other backgrounds related to data analysis;

3. Proficiency in using SAS statistical software and SQL database and language is preferred

4. Good written and business judgment ability, clear logic, ability to produce an analysis report independently.

5. Good communication and coordination ability, decision-making ability, innovation ability, organization and coordination ability, team cooperation ability and training subordinate ability.

6. Experience in financial analysis is preferred.