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Open nowPosted 24 days ago

金融信贷资产负债管理负责人-国际支付

ByteDance19,198 open roles

Where
Shanghai, Chinese Mainland
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Your applicationOpen now金融信贷资产负债管理负责人-国际支付ByteDance · Shanghai, Chinese Mainland

  1. YouYes, apply to this one.

  2. CV RocketCV written for this posting.

  3. 25 readersRecruiter, hiring manager, skeptic. Round after round.

  4. CV RocketApplied on ByteDance's own form.

The reply lands in your private mailbox

3×more interviews than doing it yourself with ChatGPT.

The clock on this job

Early applications get read.

11.8% of postings close within 7 days. Measured by our own scanner across the market. ByteDance postings stay open a median of 2 days.

Share of postings closed within
  1. 2.1%1 day
  2. 4.4%3 days
  3. 11.8%7 days
  4. 18.6%14 days
  5. 35.6%30 days
  6. 45.1%60 days
This job: posted 24 days ago

ByteDance median: 2 days open

The posting

1、资金规划与配置； 1）根据贷款发放预测、资产回款、信用表现和业务增长计划，制定每日、每周及滚动12个月的资金需求预测； 2）制定不同国家、业务主体、产品、融资工具及资金渠道之间的资金分配策略； 3）结合业务增长、资产质量和宏观环境，开展融资能力评估及流动性压力测试； 4）将资金需求、资金成本和资产收益纳入统一规划，为融资规模、期限及币种安排提供约束条件； 2、流动性管理； 1）建立现金流预测、监控和偏差分析机制，并持续优化预测准确性； 2）负责各国本地业务日常流动性运营策略的执行与管理，保障贷款发放、回款及偿债安排顺畅； 3）优化闲置资金水平，降低业务实际资金占用的综合成本； 4）建立流动性风险、融资到期结构及压力测试指标，并结合各市场监管要求制定流动性应急预案； 3、资产负债风险管理； 1）建立适用于消费金融业务的资产负债管理体系，覆盖贷款资产与融资负债的久期匹配、期限错配及再融资风险； 2）管理利率波动引致的资金成本风险，以及跨境融资和外币融资产生的外汇敞口； 3）建立资金来源多元化、融资机构集中度及交易对手限额管理机制； 4）持续监控资产质量、Vintage、逾期、损失及提前还款变化对流动性和负债结构的影响； 4、资产路由与收益管理； 1）基于资产收益、风险特征和融资成本建立动态资产路由机制，在不同融资工具、资金渠道及资产池之间进行配置； 2）建立信贷资产分层模型和融资渠道模型，在满足流动性、风险、监管及融资约束的前提下提升整体收益和资本效率； 3）建立资产池表现、资金成本及资产综合收益的计量与分析机制； 5、系统与数据能力； 1）建立资金与流动性管理制度、流程控制及系统能力，以数据分析支持策略制定和运营执行； 2）推动资产打标分层、渠道规则、路由策略、监控指标和收益计量的系统化建设； 3）建立管理报表和风险预警机制，确保关键资产负债指标可追踪、可解释、可复核。

1、3年以上Treasury、资产负债管理、资金管理或相关经验，其中5年以上消费金融或信贷资产资金管理经验； 2、深入理解消费金融及贷款业务模式、贷款资产生命周期和资产质量指标，深入理解Vintage、Delinquency、Loss、Prepayment对现金流、流动性及融资结构的影响； 3、能够独立建立贷款资产现金流、资金需求、流动性预测及压力测试模型； 4、具备扎实的资产负债表和财务报表分析能力，能够将业务增长、资金需求、资金成本、流动性与ROE连接起来； 5、具备利率风险、外汇风险、期限错配、再融资风险及交易对手集中度管理经验，具有东南亚和拉美金融市场经验者优先，并理解各国金融监管及资本管制约束； 6、具备较强的跨职能推动、高级利益相关方管理及团队管理能力，中英文表达优秀。

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