Director – Risk Management

Job Type
13,000,000 JPY - 16,000,000 JPY per year
Japanese Level
English Level
Advanced (TOEIC 860)
Start Date


Fantastic opportunity to be able to work in the world famous credit card company!

We have been making a difference in people’s lives for over 160 years, backing them in moments big and small, granting access, tools, and resources to take on their biggest challenges and reap the greatest rewards and also made a difference in the lives of our people, providing a culture of learning and collaboration, and helping them with what they need to succeed and thrive.
We have their backs as they grow their skills, conquer new challenges, or even take time to spend with their family or community. And when they are ready to take on a new career path, we are right there with them, giving them the guidance and momentum into the best future they envision.
Because we believe that the best way to back our customers is to back our people.

This position will lead Commercial Credit Risk Management. The incumbent will be responsible for the following:
‐ Own full accountability of end to end credit risk management for commercial businesses
‐ Own risk outcomes and credit metrics
‐ Develop a thorough understanding of the expected and unexpected credit losses in the business and communicate them effectively to business leaders
‐ Focus on continuous improvement of credit risk management capabilities. Optimize integration and usage of capabilities and data such as consumer and commercial credit bureaus and financial statements. Continually explore and test new data sources.
‐ Ensure Risk Management capabilities are aligned with business strategy and strategic  growth initiatives, including launch of new business practices, products and services
‐ Monitor economic performance across all risk decisions and partner with the Centers of Excellence to identify improvement opportunities.
‐ Develop / Deploy capabilities that enhance profitable growth in partnership with Central teams
‐ Ensure complete understanding of and adherence to local laws & regulations
‐ Have deep understanding of evolving regulatory environment with direct and indirect impact on the business and risk management.
‐ Have deep understanding of macro-economic and business environment with direct and indirect impact on business and risk management.
‐ Focus on talent development and team culture. Create a cohesive team in which all employees have well-defined roles with clear scope and distinct responsibilities

【会社概要 | Company Details】
Great work-life balance and office environment!
The company provides innovative payment solutions for individuals and businesses of all sizes.

【就業時間 | Working Hours】
9:00 - 17:30(Mon - Fri)

【休日休暇 | Holidays】
Saturday, Sunday, and National Holidays, Year-end and New Year Holidays, Paid Holidays, Other Special Holidays

【待遇・福利厚生 | Services / Benefits】
Social insurance, Transportation Fee

Required Skills

‐ Relationship building / Communication skills
‐ Leadership/Organizational Awareness & Effectiveness
‐ Process/System knowledge
‐ Have a working understanding of all risk systems (A/R, CAS, Credit Bureau Reporting, WCC, GNA, BDP, Cornerstone, @Work and etc.) to do account analysis and observe trends to identify areas of weakness, and direct credit action strategy.
‐ A breadth and depth of content knowledge about product and risk processes and capabilities.
‐ Understands fully the economics of the business, how the business makes money, Net Loss Provision and the levers that can be used to affect the economic outcomes.
‐ Analytical role with people leadership experience
‐ Work experience with SAS/SQL
‐ Experience in using balance sheet, financial statement, bank statement and AP/AR files in credit assessment

Preferred Skills

‐ Experience/Familiarity with Big Data and Machine Learning is preferred
‐ Bachelor’s degree in Computer Science, Math, Statistics, Engineering, Economics or similar quantitative field of study preferred
‐ Advanced degree in Business, Finance, Statistics, Economics or Mathematics or equivalent experience in similar business is preferred