岗位职责
- 设计跨境 ABS 整体业务架构：承接小贷公司形成的小额分散贷款资产，出售给境外设立的 SPV。
- 推动 SPV 内底层资产打包证券化为 ABS（资产抵押证券），并出售给机构或银行。
- 规划境外 SPV 的灵活布局，最优化承接多国贷款资产，实现全球资金运用。
- 推动将东南亚六国、巴西、墨西哥及欧洲等资产纳入同一个 SPV，节省在不同国域分别设立 SPV 所产生的律师费、监管费及信托费。
- 面向业务规模扩大后由外部银行购买资产的阶段需求，提前完成评级、法务框架及合规框架的设计与对齐。
- 为跨境业务设计方案与路径，识别并规避潜在坑洞，降低对外部咨询的依赖。 This is a funding-side role responsible for designing and operationalizing a cross-border ABS business architecture: after the micro-lending entity originates loans, the small-ticket, diversified loan assets are sold to an offshore SPV (Special Purpose Vehicle), then pooled and securitized into ABS (Asset-Backed Securities) for sale to institutional investors or banks. Responsibilities Design the overall cross-border ABS business architecture: acquire the small-ticket, diversified loan assets originated by the micro-lending entity and sell them to an offshore SPV. Drive the pooling and securitization of the underlying assets within the SPV into ABS, and their sale to institutional investors or banks. Plan a flexible offshore SPV structure that optimally holds loan assets from multiple countries, enabling global capital deployment. Drive the consolidation of assets from six Southeast Asian markets, Brazil, Mexico, and Europe into a single SPV, avoiding the legal, regulatory, and trustee fees incurred by setting up separate SPVs in each jurisdiction. Anticipate the stage at which business scale growth requires assets to be purchased by external banks, and complete the design and alignment of rating, legal, and compliance frameworks in advance. Design solutions and pathways for cross-border business, identify and mitigate potential pitfalls, and reduce reliance on external advisors.
职位要求
- 具备投行或科技金融信贷业务ABS经验，能驾驭复杂的跨境交易架构设计。
- 熟悉境外 SPV 的设立与灵活布局，掌握 ABS 证券化的完整流程。
- 熟悉评级、法务框架及合规框架，能结合业务规模扩大预判并落地相应设计。
- 具备对客业务拓展能力、商务理解及行业认知。
- 能在高频变化的环境中工作并保持韧性，可有效协同内外部资源。
- 适应创业环境、能承受高压，具备作为团队粘合剂的协同能力，乐于学习公司文化。 ABS experience in investment banking or fintech credit businesses, with the capability to handle complex cross-border transaction structuring. Familiar with the establishment and flexible structuring of offshore SPVs, and with the full ABS securitization process. Familiar with rating, legal, and compliance frameworks, able to anticipate and implement the appropriate design as business scale grows. Client-facing business development capability, commercial acumen, and industry knowledge. Able to work and stay resilient in a fast-changing environment, effectively coordinating internal and external resources. Comfortable in a startup environment and under high pressure; acts as a team glue with strong collaboration skills and a genuine willingness to embrace the company culture.
