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mddrrobin9090
04 avr. 2022
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It is found that no matter it is a year ago or a year later, everyone is considering changing jobs, either changing jobs or preparing to change jobs. Recently, a reader asked me whether the risk control value is worth working in. I can't say such advanced words as "the best is like water", so I can only analyze it together. There should be many friends who have these questions. The supporting examples are: Some readers even messaged me, worried that I was narrowing; Some interns in risk control positions asked me that it is normal or abnormal that I have done a few months of risk control internships and have no sense of accomplishment; I have met some classmates before, and many of them also expressed that they do not want to do risk control. Just like exploring the origin of the universe, I thought about this question, whether risk control is worth investing in it. After thinking about it, I thought about three angles, and analyzed the fairy tale and reality of risk control practitioners. Positive and negative theory, long-term and short-term theory, broad road narrow road theory. Our ultimate goal should be to do long-term positive things on the broad road. 1. Positive and Negative Theory "I change the way to look at the overdue rate and the recovery rate every day, just to control the loss, which is very different from the income-generating work." That's right. The reason why we think that quantitative growth is positive, and risk control is negative, I think the reason is that the indicators that the quantitative side pays attention to are PV, UV, GMV, the bigger the better, but the risk control side is concerned about Phone Number List is the overdue rate and the recovery rate. But in fact, quantification and risk control are integrated, not only credit risk control, but also Internet business. Even if it is not a financial game, growth is not just a single goal. Risk control is still required to ensure the compliance of the content in order to develop steadily. Take our example of writing a public account. Many big account owners often need to block some people, in order to ensure that their accounts can live longer. Talk about credit risk control itself. The credit strategy has been considered a relatively positive type of work, unlike collection, which is the real logistics work. For students who grant credit, it is not the purpose to look at the overdue rate, but for better credit granting. It is also a bit aggrieved to say that it is not income-generating. Risk control itself can also be said to be half positive and half negative. A positive rate cut increases the scale, and a negative interception and disposal reduces risks.
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