[Coupang Financial] Director, Head of Credit
Seoul, South Korea · Posted 1 month agoDescription
About Coupang
Coupang is reimagining the shopping experience with the goal of wowing each customer from the moment they open the Coupang app to the moment an order is delivered to their door. Powered by an end-to-end
e-commerce and logistics network and a culture of customer obsession, Coupang has redefined tradeoffs between speed, selection, and price. We provide fast delivery on millions of items, including fresh groceries, delivered within hours nationwide, 365 days a year. South Korea represents one of the most dynamic and fast-growing e-commerce markets globally, and Coupang continues to lead through innovation and operational excellence.
Role Overview
To ensure stable operation of Coupang's fintech business, we establish credit strategies, operate related systems, and monitor risk. Coupang Pay aims to improve customers' financial experience by launching innovative credit products as well as payment services. Therefore, we are looking for talented individuals with excellent problem-solving and execution skills who can proactively build business processes, systems, and policies.
- This role involves attracting, growing and inspiring the team, fostering an innovative environment and strategically using data to monitor and implement credit strategies of working capital/lending products.
- Drives innovation in credit risk strategies practices by staying informed of industry trends, emerging risks and emerging technologies and incorporating best practices into the company’s credit risk framework.
- Leads continuous improvement initiatives to increase the effectiveness and efficiency of credit strategic management systems and processes.
What you will do:
- Establishes and improves credit strategies/underwriting policies and credit risk assessment processes, including underwriting criteria, credit risk management systems and processes.
- Responsible for leading, motivating and managing the credit team, especially for consumer lending/working capital products
- Oversees the credit strategy and aligns credit risk management efforts with overall business objectives.
- Prepares and presents comprehensive credit risk reports to executives and other relevant stakeholders.
Essential Qualifications:
- 10+ years of experience in credit strategies/underwriting strategies roles within fintech or banking industry for consumer/SME lending and working capital products
- Proven track record of developing and implementing effective credit risk strategies/underwriting strategies
- Strong understanding of credit risk strategies and CSS/risk models
- Experience and knowledge of the development and deployment of credit workflows
Preferred Qualifications:
- Strong experience and knowledge of consumer lending and working capital
- Experience in designing credit/underwriting policies when launching new products
Recruitment Process and Others
Recruitment Process
- Application Review - Phone Interview - Onsite (or Virtual Onsite) Interview – Offer
- The exact nature of the recruitment process may vary according to the specific job and may be changed due to scheduling or other circumstances.
- Interview schedules and the results will be informed to the applicant via the e-mail address submitted at the application stage.
Details to Consider
- This job posting may be closed prior to the stated end date for application if all openings are filled.
- Coupang has the right to rescind an offer of employment if a candidate is found to have submitted false information as part of the application process.
- Those eligible for employment protection (recipients of veteran's benefits, the disabled, etc.) may receive preferential treatment for employment in accordance with applicable laws.
- Job titles and responsibilities may be subject to change depending on the candidate's overall experience, etc. This will be communicated to the candidate at the appropriate time before the offer.
- Hiring may be restricted if the legal qualifications required for hiring and work performance are not met.
- This is a full-time regular position and includes 12 weeks of probation period; provided, however, the probationary period may be either skipped, shortened or extended if necessary for business purposes.
Privacy Notice
• Your personal information will be collected and managed by Coupang as stated in the Application Privacy Notice located below.
https://privacy.coupang.com/en/land/jobs/
Document Return Policy
- This notification is given pursuant to Article 11 (6) of the Fair Hiring Procedure Act.
- A job applicant, who has applied but not been finally selected for a position at Coupang (the "Company"), may request the Company to return his/her hiring documents submitted pursuant to the Fair Hiring Procedure Act. However, this will not apply where the hiring documents were submitted via the website of the Company or e-mail, or where the job applicant submitted those documents voluntarily without a request from the Company. In addition, if the hiring documents were destroyed due to a natural disaster or any other reasons not attributable to the Company, such documents will be deemed to have been returned to the job applicant.
- A job applicant who wishes to request the return of his/her hiring documents pursuant to the main sentence of paragraph 2 above should fill out a "Request for Return of Hiring Documents" [Annex Form No. 3 in the Enforcement Rule of the Fair Hiring Procedure Act] and submit It by email (recruitingops@coupang.com). In such case, within fourteen (14) days from the date of identifying the receipt of the request, the Company will send the hiring documents to the job applicant's designated address via registered mail. Please be informed that the job applicant is required to pay the postage on the registered mail.
- In preparation for a job applicant's request for the return of hiring documents pursuant to the main sentence of paragraph 2 above, the Company shall retain the original hiring documents submitted by the job applicant for 180 days from the completion of the recruiting process. If no request is made until the end of this period, all his/her hiring documents will be destroyed immediately in accordance with the Personal Information Protection Act.
- The above paragraphs 1 - 4 shall only apply when the labor-related laws of Korea govern the application. They are otherwise not applicable.
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