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Credit Risk Compliance Manager

Tokyo

About Paidy Inc.

Paidy is Japan's pioneer and leading BNPL service company. At Paidy we believe in creating simple, instant experiences to take the hassle out of shopping with a touch of magic.

Paidy offers instant, monthly-consolidated credit to consumers by removing hassles from payment and purchase experiences. Paidy uses proprietary models and machine learning to underwrite transactions in seconds and guarantee payments to merchants. Paidy increases revenue for merchants by reducing the number of incomplete transactions, increasing conversion rates, boosting average order values, and facilitating repeat purchases from consumers. 

Paidy is a subsidiary of PayPal, the global payments company. Paidy continues to operate its existing business, maintain its brand and support a wide variety of consumer wallets and marketplaces by providing convenient and innovative services with support from PayPal.

Paidy continues to innovate to make shopping easier and more fun both online and offline. For more information, please visit http://www.paidy.com. 

About Position 

The Credit Risk Compliance Manager will ensure full compliance with Japanese consumer credit regulations, including the Installment Sales Act (割賦販売法), which regulate lending practices and consumer protections. The Credit Risk Compliance Manager will also ensure that credit offerings comply with laws to safeguard customer data and that lending practices are in line with Japanese regulatory guidance.

Key Role and Responsibilities
  • The successful candidate will serve as the central compliance and governance resource for the Credit Risk team, acting as the First Line of Defense in Paidy’s Three Line of Defense Model
  • Engagement with Regulatory Bodies: liaising with The Ministry of Economy, Trade and Industry (METI) and other regulatory bodies to stay updated on any changes in regulation that might impact  compliance, reputation, credit and other risks.
  • Ensuring compliance with the relevant laws and regulations including Installment Sales Act and fair practices as per guidelines from regulators regarding product development and maintenance.
  • Fraud and Credit Risk Prevention: ensuring that the fraud detection systems are effective in identifying fraudulent credit applications, especially in a BNPL context where quick approvals can create opportunities for fraud.
  • Monitoring data storage status: ensuring the data and documents are properly stored in line with the regulation and guidelines under relevant laws.
  • Collaborating with existing internal fraud  teams to ensure local market best practices are adhered to in addressing risks of identity fraud within the BNPL system.
  • Monitoring Credit Risk Controls: monitoring customer credit exposure and ensuring that credit decisions are made in compliance with company policies and regulations.
  • Ensuring robust credit approval processes, and embedding risk controls at the underwriting stage to manage credit limits and payment terms.
  • Information management: Ensure that all credit decisions are documented with the relevant information and securely stored and easily retrieved
  • Credit Renewal: Ensure that the correct credit procedures are followed during contract renewals

Skills and Requirements
  • 5-10 years of experience in credit risk management, with a strong understanding of credit products and risk assessment.
  • Significant experience with Japanese regulatory frameworks and compliance, including Installment Sales Act, AML and data privacy laws.
  • Proven track record  in first line of defense roles, managing risk controls and aligning operations with organizational risk appetite.
  • Knowledge of the Japanese market and proficiency in Japanese, with native communication skills in Japanese and business level proficiency in English

Paidy team will ask about your user experiences with Paidy Apps during the interview. Please download Paidy App and try it out!

For those who are not able to download Paidy App, due to the regional restrictions, please be advised that you download the similar App, such as Klarna, Afterpay, Affirm and so forth, and come up with your opinions on these applications and services.

  • Please note that you must be eligible to work in Japan.

What We Offer You
  • Diversified team with 230+ colleagues from 42+ countries
  • Exciting work opportunities in a rapid-growing organization
  • Cross-functional collaboration
  • Flexible work-from-home arrangement
  • Competitive salary and benefits

Paidy Values

Be a winner / 勝ちにこだわる

  • Always seek to beat expectations / 期待値を超える為に常に努力する
  • Display surprising speed and resourcefulness / 人をスピードと機知で驚かす
  • Overcome weaknesses by leveraging the strength and help of others to win / 仲間の強みを活かしたり協力を得ることで、自身の弱みや足りない点を克服する

Own and deliver, together / 共に結果を出す

  • Fully support the final decision even if at times you may disagree / たとえ意見が対立することがあったとしても、最終決定を全面的に受け入れ支持する
  • Acknowledge and gather the power of others, by communicating and collaborating with them / 仲間の力を認めて活用し、積極的にコミュニケーションをとり、協力する
  • Show a will to own actions and go the extra mile without being asked / 行動について強いオーナーシップを持ち、言われずとも業務を遂行しきる覚悟を持つ

Be a valued team member / 価値を認められるメンバーになる

  • Strive to play an integral role / 替えの効かない役割を果たす
  • Embrace and bridge differences in perspective, language and culture / 異なる意見・考え方、言語と文化の架け橋になる
  • Don’t compromise - raise the bar for yourself and others / スタンダードを上げ続けることに妥協しない

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The answer can be refined in later interview stages. Please input a ballpark figure in the following format: xx,xxx,xxx

Please describe when you need to get an offer by? 

i.e. 

1st interview on yyyy/mm/dd with xxx company for xxx position

2nd interview on yyyy/mm/dd with xxx company for xxx position 

Final interview on yyyy/mm/dd with xxx company for xxx position 

Let us know the date(s), agencies used if any, and positions you've applied to.

i.e. 

1st application on yyyy/mm/dd through xxx agency for xxx position

2nd application on yyyy/mm/dd through Paidy's website for xxx position

3rd application on yyyy/mm/dd through Linkedin for xxx position

This and the following questions help us understand working rights and visa processes that the HR side may have to prepare for.

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株式会社Paidy

 

1.取得および利用目的 (English will follow)

株式会社Paidy(以下「弊社」という)は、弊社への採用をご希望される皆様の氏名、住所、電話番号、メールアドレス等の個人を識別できる情報を取得します。取得の目的は、採用活動(書類審査、面接、評価、応募者への連絡等)のためとし、それ以外の目的での利用はいたしません。

2.個人情報の第三者への提供

弊社は、法令で定める場合を除き、応募者の個人情報について、当該個人の同意を得ずに、業務を委託する場合を除き第三者に提供することはありません。

2.業務の委託

弊社は、ご提供いただいた個人情報を外部の業者に委託し、採用活動等を行なう場合があります。この場合、委託する業者と契約を締結し、個人情報を適正に管理できるようにいたします。 

4.安全管理

弊社は、個人情報へのアクセスまたは個人情報の紛失、破壊、改ざん、漏えい等の危険に対して、必要な安全対策を継続的に講じるよう努めます。

5.応募書類の返却・廃棄

採用に至らなかった場合、お預かりした履歴書をはじめとする選考に使用したその他応募書類は、一定期間保管後、 弊社で責任を持って廃棄いたします。返却はいたしませんので予めご承知おきください。

6.個人情報提供の任意性

応募者の個人情報の弊社への提供は、応募者の同意に基づく任意ですが、弊社の採用選考に必要な情報が提供されない場合、採用の選考を辞退されたものとみなす場合もありうることを予めご承知おきください。

7.個人情報の開示等の請求に応じる手続き

ご提供いただいた個人情報については、利用目的の通知、開示、内容の訂正、追加又は削除、利用の停止、消去、 第三者への提供の停止の請求を弊社問合せ窓口に申し出ることができます。その際、弊社は、ご本人であることを確認したうえで、合理的な期間、法令等に定められた範囲内で対応します。また、一部のご請求については有料となります。 手続の詳細は、弊社HP上の「個人情報保護に関する基本方針」(https://terms.paidy.com/privacy) をご確認いただくか、下記あてにお問い合わせください。

8.個人情報管理責任者およびお問い合わせ先

弊社では、個人情報を適切に保護するための管理者を下記の者が担当いたしております。また、個人情報管理に関する問い合わせや開示、訂正または削除のご依頼は下記までご連絡ください。

<個人情報保護管理者>

株式会社Paidy セキュリティ部　情報セキュリティマネジャー

privacy@paidy.com

 

<個人情報に関するお問い合わせ窓口>

個人情報相談窓口

〒107-6212 東京都港区赤坂9-7-1 ミッドタウン・タワー12階

privacy@paidy.com

 

--------------------------English--------------------------

Paidy Inc.

 

  1. Acquisition and Purpose of Use

Paidy Inc. (hereinafter the “Company”) acquires from those who desire to apply for employment opportunities of the Company the information capable of identifying the particular individual, such as name, address, telephone number, and e-mail address. Such acquisition is for the purpose of use in recruitment activities (such as pre-interview screening process, interviews, assessment, and communication with the applicant), and the Company will not use such information for any other purpose.

  1. Third-Party Provision of Personal Information

Unless otherwise authorized under the applicable law, the Company will not provide any personal information from any applicant to any third party other than the suppliers engaged by the Company for services without the consent of the applicant.

  1. Engagement of Suppliers

The Company may engage third-party suppliers for the provision of services for recruitment activities or whatsoever and provide such suppliers with the acquired personal information. In such event, the Company will enter into a contract with the engaged suppliers and secure the proper management of the personal information.

  1. Security Control

The Company will continuously endeavor to implement the security measures as are necessary to protect the personal information from the risks of unauthorized access, loss, destruction, alteration, leakage, and the like.

  1. Return and Disposal of Application Documents

In connection with any applicant whose submission of an application has not resulted in employment by the Company, the Company will store the submitted resume and all other application documents in use for the screening for the time being and will later responsibly dispose of the same. It is hereby acknowledged and agreed in advance that none of such application documents will be returned to the applicants.

  1. Voluntary Submission of Personal Information

The submission of any personal information to the Company by any applicant shall be made on a voluntary basis with the consent of the applicant. However, it is hereby acknowledged and agreed in advance that if any applicant fails to submit the information necessary for the recruitment screening of the Company, such applicant may be deemed as having withdrawn from the recruitment screening process.

  1. Procedures for Responding to Requests for Disclosure of Personal Information

In connection with any submitted personal information, the applicant may make a request to the point of contact at the Company for a notice of the use purpose, disclosure, correction, addition or deletion of the content, termination of use, deletion, or suspension of any third-party provision. At the time of such request, the Company will confirm the identity of the requester and respond to such request within a reasonable term to the scope stipulated under the applicable law or other regulations. Some of the requests require the payment of fees. For the details of such procedures, please check the “Basic Policy for Personal Information Protection” on the Company’s website (https://terms.paidy.com/privacy), or inquire at the following point of contact.

  1. Personal Information Control Manager and Point of Contact

On behalf of the Company, the following personnel serve as the manager for properly managing the personal information. Please address any inquiry for personal information management or any request for disclosure, correction, or deletion to the following.

<Personal Information Protection Manager>

Information Security Manager, Security Department, Paidy Inc.

privacy@paidy.com

 

<Point of Contact for Personal Information>

Point of Contact for Personal Information

12th Floor, Midtown Tower, 9-7-1 Akasaka, Minato-ku, Tokyo 107-6212

privacy@paidy.com