Principal Business Risk Control

Job Responsibilities

End-to-End Fund Risk Strategy System Building

Responsible for fund security across all business lines (e.g., wealth management, trading, RWA, and other core products). Build real-time, layered risk control decision strategies based on device fingerprints, behavioral time-series, transaction chains, relationship graphs, and network features.

Risk Data Analysis, Loss Quantification & Adversarial Review

Leverage massive transaction data in Hive using SQL and Python to conduct risk case mining and black market attack chain reconstruction. Continuously monitor core metrics: actual loss rate, interception rate, false positive rate; identify strategy gaps and produce thematic analysis reports.

Strategy Design, Gray Release Experimentation & Iterative Deployment

Design rule-based strategies; manage gray-release traffic allocation, A/B experiment design, and effectiveness evaluation. Drive strategy integration into the real-time decision engine for production launch. Continuously counter black market actors, forming a closed loop of risk identification → intervention → post-mortem → iteration.

Major Loss Incident Emergency Response

Participate in emergency triage for major online fund security incidents: stop the bleeding, trace the risk source, and implement urgent blocks. Accumulate black market intelligence and gang characteristics to build risk feature libraries and intelligence databases.

Cross-Team Collaboration & Risk Control Capability Building

Coordinate with algorithm, product, engineering, compliance, and anti-fraud operations teams. Integrate machine learning models, device fingerprinting, and behavioral sequence capabilities to optimize the decision system. Abstract common risk control capabilities and drive the construction of feature platforms and risk control middle platforms.

Risk Metrics System Construction

Build scenario-based risk monitoring dashboards, establish anomaly fluctuation early-warning mechanisms, and drive long-term risk governance initiatives.

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Job Requirements

Basic Qualifications

Bachelor's degree or above; Statistics, Mathematics, Computer Science, Financial Engineering, or Data Science preferred; Master's degree preferred.

3–6 years of hands-on experience in payment / internet fund security / transaction anti-fraud risk control strategy. Experience at Alipay, WeChat Pay, leading consumer finance companies, or bank online payment risk control is preferred.

Skills & Capabilities

Proficient in complex SQL (Hive/MaxCompute); skilled in Python for data mining and feature analysis; able to independently complete risk quantification calculations and experiment evaluation.

Deep understanding of payment risk scenarios: account takeover (ATO), telecom fraud, money mule/fund running, abnormal batch transactions. Familiar with real-time risk control pipelines, strategy deployment processes, and metrics evaluation frameworks.

Possesses an adversarial mindset; able to proactively detect emerging black market tactics from massive data. Excels at finding the optimal balance among financial loss, false interceptions, and business conversion.