[Coupang Financial] Director, Head of Credit

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-tim…