信用・流動性リスク管理スペシャリスト - Merpay
On-siteMinato City, Tokyo, Japan
Job Summary
Manage financial health and own capital by evaluating capital adequacy, monitoring risk capital allocation, and conducting stress tests to inform capital and financial planning. Lead credit risk management for individual lending portfolios, including PD/LGD/EAD measurement, model validation, and provision level verification. Monitor credit policies and risk appetite limits, escalating deviations, while designing risk assessment frameworks for new products and coordinating with Finance, Credit, and Data Analytics teams. This role supports the rapid growth of Mercari Pay's credit services by updating risk management frameworks to fit a unique economic ecosystem, enabling direct impact on business judgment decisions.
Required Qualifications
- Japanese language ability (Proficient, CEFR - C1)
- 3+ years of practical experience in the financial risk domain (credit risk management, own capital/financial soundness management, ALM/liquidity risk management, or risk measurement) within financial institutions or financial service providers
- Ability to quantify risk, build opinions based on data, and explain them to stakeholders
- Willingness to create new approaches to risk management with flexible thinking, not bound by traditional financial institution practices
- Empathy and embodiment of the Mercari Group and each company's mission and values
Desired Qualifications
- Experience with credit portfolio credit risk measurement/scoring model development or validation (model validation)
- Knowledge regarding allowance for doubtful accounts, IFRS9/impairment accounting
- Experience with stress testing, risk appetite framework (RAF), and capital allocation design/operation
- Experience with enterprise-wide integrated risk management (ERM)
- Knowledge of regulations regarding non-banks/payment settlement areas (e.g., Loan Business Act, Installment Sales Act, Payment Services Act)
- Risk management business experience in Fintech companies or venture companies
- English language ability (Independent, CEFR - B2)
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