이 공고, 이렇게 물어볼 겁니다

과거에 소비자 대출 또는 운전자금(Working Capital) 포트폴리오에서 리스크를 관리하고 성장 전략을 수립했던 경험 중, 가장 성공적이었던 사례를 구체적인 숫자와 함께 설명해 주십시오. 특히 리스크 모델(CSS/Risk Model)을 어떻게 활용하여 의사결정을 내렸는지 설명해 주세요.

🎯 지원자의 전략 수립 능력, 리스크 이해도, 그리고 데이터 기반 의사결정 능력을 확인한다.

신규 소비자 대출 상품을 출시할 때, 정책 및 심사 기준을 설계하는 과정에서 발생했던 가장 큰 충돌(예: 사업 목표 vs. 리스크 최소화)은 무엇이었으며, 이를 어떻게 조정하여 최종 승인된 정책을 만들었는지 그 협업 과정과 결과를 설명해 주세요.

🎯 복잡한 이해관계 속에서 전략을 실행하고 갈등을 관리하는 능력을 확인한다.

귀하가 이끌었던 신용 리스크 팀(Consumer/Working Capital)에서 팀원들의 성과를 향상시키고 혁신적인 리스크 전략을 도입하기 위해 어떤 구체적인 변화(프로세스 개선, 교육, 시스템 도입 등)를 주도했는지, 그리고 그 결과 팀의 효율성이 어떻게 변화했는지 숫자로 제시해 주십시오.

🎯 리더십 능력, 팀 관리 경험, 그리고 지속적인 개선(Continuous Improvement)을 통한 실행력을 확인한다.

최근 핀테크 및 신용 시장에서 발생하는 새로운 리스크(예: 기술 리스크, 규제 변화)에 대해 귀하는 어떤 방식으로 선제적으로 대응하고, 이를 기존의 신용 리스크 프레임워크에 통합하는 전략을 수립했는지 구체적인 사례를 들어 설명해 주십시오.

🎯 업계 트렌드를 이해하고, 변화에 맞춰 리스크 관리 체계를 혁신하는 전략적 사고를 확인한다.

만약 현재의 신용 전략 시스템에서 예상치 못한 심각한 리스크가 감지되었다면, 경영진에게 보고하고 대응하기 위해 어떤 데이터 기반의 보고 체계를 구축하고 어떤 핵심 정보를 우선적으로 제시하시겠습니까?

🎯 위기 상황에서의 커뮤니케이션 능력, 위기관리 능력, 그리고 경영진에게 필요한 통찰력을 제공하는 능력을 확인한다.

질문만 읽으면 컨닝이에요. 소리 내어 답해보세요 — 어디서 틀어지는지 짚어드립니다.

공고 내용

About Coupang

Coupang is reimagining the shopping experience with the goal of wowing each customer from the moment they open the Coupang app to the moment an order is delivered to their door. Powered by an end-to-end

e-commerce and logistics network and a culture of customer obsession, Coupang has redefined tradeoffs between speed, selection, and price. We provide fast delivery on millions of items, including fresh groceries, delivered within hours nationwide, 365 days a year. South Korea represents one of the most dynamic and fast-growing e-commerce markets globally, and Coupang continues to lead through innovation and operational excellence.

Role Overview

To ensure stable operation of Coupang's fintech business, we establish credit strategies, operate related systems, and monitor risk. Coupang Pay aims to improve customers' financial experience by launching innovative credit products as well as payment services. Therefore, we are looking for talented individuals with excellent problem-solving and execution skills who can proactively build business processes, systems, and policies.

· This role involves attracting, growing and inspiring the team, fostering an innovative environment and strategically using data to monitor and implement credit strategies of working capital/lending products.

· Drives innovation in credit risk strategies practices by staying informed of industry trends, emerging risks and emerging technologies and incorporating best practices into the company’s credit risk framework.

· Leads continuous improvement initiatives to increase the effectiveness and efficiency of credit strategic management systems and processes.

What you will do:

· Establishes and improves credit strategies/underwriting policies and credit risk assessment processes, including underwriting criteria, credit risk management systems and processes.

· Responsible for leading, motivating and managing the credit team, especially for consumer lending/working capital products

· Oversees the credit strategy and aligns credit risk management efforts with overall business objectives.

· Prepares and presents comprehensive credit risk reports to executives and other relevant stakeholders.

Essential Qualifications:

· 10+ years of experience in credit strategies/underwriting strategies roles within fintech or banking industry for consumer/SME lending and working capital products

· Proven track record of developing and implementing effective credit risk strategies/underwriting strategies

· Strong understanding of credit risk strategies and CSS/risk models

· Experience and knowledge of the development and deployment of credit workflows

Preferred Qualifications:

· Strong experience and knowledge of consumer lending and working capital

· Experience in designing credit/underwriting policies when launching new products

Recruitment Process and Others

Recruitment Process

· Application Review - Phone Interview - Onsite (or Virtual Onsite) Interview – Offer

· The exact nature of the recruitment process may vary according to the specific job and may be changed due to scheduling or other circumstances.

· Interview schedules and the results will be informed to the applicant via the e-mail address submitted at the application stage.

Details to Consider

· This job posting may be closed prior to the stated end date for application if all openings are filled.

· Coupang has the right to rescind an offer of employment if a candidate is found to have submitted false information as part of the application process.

· Those eligible for employment protection (recipients of veteran's benefits, the disabled, etc.) may receive preferential treatment for employment in accordance with applicable laws.

· Job titles and responsibilities may be subject to change depending on the candidate's overall experience, etc. This will be communicated to the candidate at the appropriate time before the offer.

· Hiring may be restricted if the legal qualifications required for hiring and work performance are not met.

· This is a full-time regular position and includes 12 weeks of probation period; provided, however, the probationary period may be either skipped, shortened or extended if necessary for business purposes.

Privacy Notice

• Your personal information will be collected and managed by Coupang as stated in the Application Privacy Notice located below.

https://privacy.coupang.com/en/land/jobs/

Document Return Policy

· This notification is given pursuant to Article 11 (6) of the Fair Hiring Procedure Act.

· A job applicant, who has applied but not been finally selected for a position at Coupang (the "Company"), may request the Company to return his/her hiring documents submitted pursuant to the Fair Hiring Procedure Act. However, this will not apply where the hiring documents were submitted via the website of the Company or e-mail, or where the job applicant submitted those documents voluntarily without a request from the Company. In addition, if the hiring documents we

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