岗位职责
- 打通全球网贷与银行资金的资产流转链路，设计并落地覆盖银行联合贷、助贷业务的复杂联动流程，确保全链路不掉链子。
- 统筹线上签约、多方抵押协调、额度动态调整等跨机构流程设计，保障各环节顺畅衔接。
- 推动尽调材料自动化传送，并完成多维度的信用风险评估对齐，建立跨机构一致的风险评估口径。
- 推动流程、数据及人审平台建设，将人工操作逐步转化为智能化、产品化的系统能力。
- 深入理解业务细节，将复杂业务需求转化为框架性需求提供给产品团队，支撑产品设计方案落地。 This role is defined as a "business role with product thinking" — it is not a pure product or BD position, and carries no business development targets. It is closer in nature to Solution Architecture, primarily B2B with some B2C scope. Its core value lies in deep business fluency: connecting the asset flow between micro-lending customer acquisition and bank funding, acting as the bridge between business and product, and filling the gaps in product planning on the business side. Responsibilities Build the end-to-end asset flow between global online lending and bank funding; design and operationalize complex, interconnected processes spanning bank co-lending and loan facilitation, ensuring nothing falls through the cracks across the full chain. Orchestrate cross-institution process design — online contracting, multi-party collateral coordination, dynamic credit limit adjustments — ensuring smooth handoffs at every stage. Drive the automated transmission of due diligence materials and align multi-dimensional credit risk assessments, establishing a consistent risk assessment framework across institutions. Drive the build-out of process, data, and manual-review platforms, progressively converting manual operations into intelligent, productized system capabilities. Develop deep business understanding and translate complex business needs into framework-level requirements for the product team, enabling product designs to land.
职位要求
- 必须具备助贷业务经验，熟悉助贷链路细节；参考对象包括国内外知名金融平台从业者。
- 熟悉联合贷/助贷业务模式，理解科技金融对客+连接银行资金战略等商业模式。
- 英语能力强，能支撑未来在东南亚、欧洲、南美等地区的业务扩展。
- 具备产品化思维与产品设计方案能力，能清晰透彻地梳理并输出业务需求。
- 具备对公和个人信贷业务的能力与经验，对商务理解及行业认知。
- 能在高频变化的创业环境中保持灵活和工作韧性，并有效协同内外部资源和合作团队。 Must have loan facilitation (助贷) experience and be familiar with the end-to-end facilitation workflow; benchmark profiles include practitioners from leading domestic and international fintech platforms. Familiar with co-lending and loan facilitation business models; understands business models such as tech-enabled finance for end customers and the "connecting bank funding" strategy. Strong English skills, capable of supporting future expansion into Southeast Asia, Europe, and South America. Product-minded with product design capability; able to structure and articulate business requirements clearly and thoroughly. Experience across both corporate and consumer credit, with commercial acumen and industry insight. Flexible and resilient in a fast-changing startup environment; able to effectively coordinate internal and external resources and partner teams.
