A. What does the Risk Control Department of a car loan company mainly do ah?

Car Loan Risk Control Department six job description

A credit specialist

1, in accordance with the customer's application of the product application data integrity review, to determine the business end of the information submitted with the company's provisions of the list of incoming materials in line with the application for the failure to provide complete information for the application for the business end of the call back to the supplemental processing. For the case of prohibited incoming documents, the application will be rejected. Check the box to fill in the vehicle information form.

2, the customer's information on the network query, such as human law network information, the national enterprise information query, the list of bad faith query, P2P blacklist query, China Judicial Instruments Network and so on. The work unit provided by the customer network query and record the unit landline number (you can use the 114 search query).

3, the vehicle information query: such as accidents, violations and other information. There have been major accidents in the vehicle to the refusal to deal with; violation of the number of times more than 5 and did not deal with, should be marked.

4, telephone audit

(1) unit information verification: compare the unit landline number found in the network query and the landline number of the unit provided by the customer, if the same is dialed; if it is not the same, the priority is to dial the landline number queried. Verify whether the customer's work is real and normal, what position he/she holds in the unit, what is his/her character and behavior, and whether he/she has any bad hobbies, etc. (refer to the table of questions on electricity verification). At the same time, you can verify whether the contact person and family information provided by the customer's coworkers are real. Verify the vehicle information such as brand, model, color, etc.. If any work information is found to be falsified, all pieces will be rejected. If in doubt should be recorded. (Can be disguised as a courier phone verification)

(2) Family information verification: Here you can call a friend's contact to verify, if the contact has no knowledge of the customer's family information should be defined as the provision of false contact for refusal to deal with. If the contact person knows more about the customer's family information, he or she can verify the customer's spouse's information, address information and job information, and compare it with the information the customer filled in the application form. Call the spouse (parents) to verify the customer's family and work information and ask questions about the financial situation (refer to the Electric Verification Questionnaire. If the family knows about the loan, if not let the customer himself come up with his own reasons and excuses). Verify vehicle information such as make, model, and color. If there is any doubt it should be recorded. (Can be disguised as a courier phone verification)

(3) call the customer himself to verify the work, family, vehicle information, and the previous electric review of the doubts arising from the focus of the question, listen to how the customer explained.

5, on the review of materials and the results of the electric audit submitted to the initial review of the opinion, and proposed outreach.

The main points of the preliminary examination and electric examination: (1) Review the completeness and compliance of the materials. (2) According to the information submitted by the customer combined with the electronic audit constantly do cross-validation, check the authenticity of customer information.

Second, the Commissioner

1, for the need to do door-to-door investigation of the customer field visits. Visits to the survey is recommended to use a combination of dark and light way, in order to get more real information. (Dark visit: without notifying the customer in the case of investigation; open visit to notify the customer to cooperate with the investigation) according to the contents of the outbound survey form and the requirements of the survey.

2, the work unit survey

(1) the working class customers: after arriving at the customer's unit near the first observation of the customer's unit name is consistent with the application form, whether the vehicle is present, and secondly, should be observed whether there is a conveyor room, janitorial, receptionist and other personnel and the customer's situation to understand. Confirmation of the customer's work information is true, you can enter the unit directly to find customers or call the customer to meet. After entering the unit, we should pay attention to whether there are duty schedules or performance ranking tables on the wall and look for the customer's name, position and other information. Observe the client's office environment and office nameplate. After meeting the client look for a separate environment to complete the outbound verification form and interview. (May request a meeting with a coworker contact).

(2) legal person or individual business type customers: after arriving at the customer's unit near the first observation of the customer's unit name is consistent with the application form, whether the vehicle is present, and secondly, should be observed whether there is a conveyor room, janitorial, receptionist and other personnel and on the situation of the unit and the customer to understand. After contacting the customer or entering the unit, observe the environment of the unit, confirm whether the operating conditions are normal, the number of employees, the main products of the customer's company to understand the annual output value, profit margins, raw material prices and other related issues. If it is a production and processing or retail enterprises need to understand the amount of inventory, the amount of orders, shooting upstream and downstream documents and other materials. Check whether the business license and other business information is consistent. Whether the plant is owned or leased, if it is leased need to shoot the lease contract.

3, the family situation investigation: first of all, to figure out the number of customers' properties, to determine the address of their long-term residence. Entering the customer's residence to take pictures of each room, whether the kitchen has fumes, whether the bathroom has personal cleaning products, etc., on the customer's residence of women's cosmetics, air conditioning, TV, refrigerator, etc. can be specially photographed to determine the customer's level of consumption. Interview the client about the family situation and find out the names of all the people living with the client, their jobs, and their relationship with the client. Emphasis on understanding the customer's children's information such as: name, gender, age, work unit or school and class, etc., if there are children's photographs will focus on shooting (without the customer's knowledge); check the customer's personal data, identity cards, household registration, marriage certificate, etc.. After bidding farewell to the customer can return to the customer's place of residence near the neighbors and other people to understand the customer's situation, whether the family is harmonious, there are no bad habits, there are no debt collectors door to door.

4, combined with the investigation of the customer's unit and family, submit a report on the visit, and in the report to give objective and fair recommendations on the visit (through or refused, refused to need to explain the reasons).

The key points: the process of the visit requires the customer unit and family location of the street signs, community gates, unit name plate, building number, unit number, household number, etc. to take pictures. The customer's unit office environment, residential environment, etc. to take pictures. The entire visit must be recorded (including unannounced visits). The evaluation of the customer must be objective and fair, prohibit the demand or acceptance of customer money, once the investigation is immediately dismissed, the circumstances are serious and the amount of money the company retains the right.

Three, customer service commissioner

1, to answer customer questions about loan products, such as: loan interest rates, cycle, repayment methods.

2, to assist customers to sign the relevant contracts and agreements:

(1) Loan contract

(2) Mortgage contract

(3) Financing intermediary services agreement

(4) Vehicle transfer agreement

(5) Power of attorney

(6) Confirmation of entrusted transfers

(7) Vehicle Key delivery and authorization commitment letter

(8) authorization letter second, reminding can not go out of Jiangsu Province; third, verify the platform account number; fourth, the signing of the photo 2.

5, after the completion of the signing, the customer information, signed contract agreements and other texts will be organized and filed to the Ministry of Finance archives management.

Essentials: customer service contract is the last step of the wind control process and involves the relevant contracts, agreements, legal instruments. So customer service personnel in the signing must double check to confirm that the applicant in each place where the signature is required to sign to complete; all documents signed. The signing process needs to be videotaped in its entirety.

Four, electric call commissioner

1, three days before the repayment date through the form of SMS to remind customers to pay on time; in the repayment day before the day to call the customer to remind the customer to pay on time; repayment day on the day of the phone to notify the customer to pay on time, and to inform the costs and consequences of once late.

2. Calling overdue customers and informing them of the possible consequences of being overdue. (Pledge customers overdue 15 days to deal with vehicles, such as the customer said tight but will be repaid as soon as possible within fifteen days, to agree with the customer to repay the specific date and inform the agreed date of repayment of the late fees; such as the customer has not been answering the phone or lost contact should be immediately reported to the Risk Control Manager.)

3, the contact person of the overdue customer to contact, understand the recent situation of the overdue customer, whether there are emergencies or other special circumstances.

Fifth, the Commissioner

1, regular visits to the loan customers to understand the customer's recent situation. If you find that the customer has an abnormal situation should be immediately reported to the wind control manager.

2, pledge class overdue customers in the electric call when the situation of refusal to repay or lost contact, the collection specialist door to investigate the customer's situation, and customer interviews to facilitate customer repayment. If you find that the customer has run away or is being pursued by more than one person, you should immediately report to the risk control manager.

3, GPS customers once overdue, GPS commissioner immediately reported to the wind control manager and GPS information provided to the Commissioner, by the Commissioner with all kinds of contracts, agreements, authorizations and other copies of documents to the financial office to extract the keys to the relevant vehicles, door-to-door car impoundment. The process is initiated by the GPS specialist and supported by GPS positioning data throughout the process. If the vehicle is successfully impounded, it will be driven to the company's designated location, and if the impoundment is unsuccessful, it will be reported immediately.

4, the GPS commissioner found on the GPS information abnormal customer door-to-door investigation, whether there are emergencies or other anomalies. the reason for the abnormal GPS information. If the customer is found to be abnormal then immediately report and implement step 3 of the process.

The key point: no matter whether the telecaller or the collection specialist in the discovery of the customer abnormalities must be the first time to report to the supervisor or the wind control manager. Do not abuse the customer or argue with the customer. The collection specialist door-to-door investigation or car collection shall not have a physical conflict with the customer or have any violent behavior. To protect the personal safety of their own personnel as the first.

6, GPS Commissioner

1, contact GPS master, agreed time for the mortgage vehicle installation GPS.

2, responsible for the daily monitoring of GPS data, found that the GPS alarm information or any abnormalities must be immediately reported to the risk manager. Each vehicle is monitored at least 5 times a day and the monitoring time needs to be reasonably allocated.The GPS specialist's cell phone must be turned on 24 hours a day and the monitoring software must be opened in order to receive possible alarm information.

3, responsible for the mortgage vehicle GPS installation check. The GPS monitoring equipment is installed correctly in the mortgaged vehicles according to the company's requirements, whether the installed GPS equipment is working properly and whether the positioning information is accurate.

4, with the collection staff of the collection or repossession work, for the collection work throughout the GPS positioning tracking information.

Points: Must complete the daily monitoring work task according to the plan. Any suspicious or abnormal situation must be reported immediately. GPS alarms should be immediately notified to the relevant personnel (wind control manager, collection staff 24 hours to keep the phone on the state). Conduct complete and rigorous testing of the installed GPS to ensure that the equipment operates normally and the positioning information is accurate.

The second car loan wind control to do what? Car loan GPS which is good?

Doing car loan gps wind control is recommended to find those industry experienced, the company was established for a long time. For example, Sword, is the earliest group of domestic companies specializing in gps wind control, and currently with Ding Ding loan, money bar, very good loan, microcredit network and other car loan business have cooperation, experienced it.

Three, the company's, the wind control department is mainly to do what ah?

Wind control: modern economic management refers to the control of the risk of financial loss of the enterprise a job title wind control commissioner (to the customer) job function: risk control. Responsible for the management of loan customer information (before, during and after the loan). Responsible for the handling of customer complaints and return visits. Responsible for risk control, monitoring and management of the company's guarantee business. Responsible for organizing the disposal of non-performing guaranteed loans of the company.

Four, the auto finance industry will encounter what wind control pain points?

The biggest problem encountered by the auto finance industry should be the wind control of auto loans:

In the face of the favorable market situation of auto finance at the same time, the high risk of auto finance can not be ignored, market risk, operational risk, credit risk, non-compliance with the business risk, etc. Existing in the automotive financial services in all aspects. With the continuous relaxation of credit policy, intermediary fraud, identity theft, vehicle cash, a car double loan and other auto finance risky behavior frequently, and has even become a pain point in the auto finance industry can not be ignored.

The root of the problem is the frequent occurrence of fraud in the automotive finance industry, or the root cause of the platform's own weak risk control capabilities, the lack of awareness of risk control. The auto finance industry information is not transparent, the market lacks a sound credit system, coupled with the platform's own wind control ability is insufficient, resulting in the enterprise can not effectively avoid repeated second mortgage, fraudulent loans and other fraudulent behavior. At the same time, many trading platforms in order to seize the market share, excessive pursuit of lending scale and speed, lowered the requirements of the wind control, and even ignored the automotive finance wind control link, as long as the customer applies for lending, these behaviors greatly condone the breeding of fraudulent loans.

To do a good job of automotive financial wind control, you must do a good job of human wind control. The big data wind control, relying on its own powerful big data wind control management and analysis platform, has established a safe and mature big data anti-fraud system, the customer from the application stage to the post-loan management stage to carry out effective fraud risk control. Tongpaid Shield anti-fraud cloud platform can assist auto finance PingShan pre-loan, loan and post-loan management of auto finance risk control system from account risk protection, application risk protection, fraud credit risk protection and other operational security multi-faceted, effectively identify fraudulent loans, intermediary fraud, cash and other behaviors to reduce capital losses.

I hope my answer is helpful to you