What does the risk control department of the car loan company mainly do?

1. What does the risk control department of auto loan company mainly do?

Description of Six Responsibilities of Car Loan Risk Control Department

I. Credit Commissioner

1. According to the products applied by customers, check the completeness of the application materials, ensure that the materials submitted by the business side are consistent with the incoming materials list specified by the company, and return the applications with incomplete information to the business side for supplementary processing. If the part is prohibited, the part is rejected. Check and fill in the vehicle information form.

2. Inquire about customer information online, such as People's Law Network information, national enterprise information, untrustworthy list, P2P blacklist, China Judgment Document Network, etc. Check the work unit provided by the customer online and record the company's landline number (you can use 1 14 to check the number).

3. Inquire about vehicle information: such as accidents, violations and other information. All vehicles with major accidents will be rejected; If the number of violations exceeds 5 times and is not handled, it shall be marked.

4. Telephone audit

(1) company information verification: compare the company landline number found in the network query with the company landline number provided by the customer, and dial if they are consistent; If they are inconsistent, dial the inquired landline number first. Verify whether the customer's work is true and normal, what position he holds in the unit, how his conduct is, whether he has bad hobbies, etc. (Refer to nuclear power problem table). At the same time, it can verify whether the contact information and family information of colleagues provided by customers are true. Verify vehicle information, such as brand, model and color. If the work information is found to be false, it will be rejected. If in doubt, it should be recorded. (can be disguised as a courier phone verification)

(2) Family information verification: Here, you can call a friend's contact person to verify. If the contact person knows nothing about the customer's family information, it should be defined as providing a false contact person to refuse. If the contact person has a better understanding of the customer's family information, he can check the customer's spouse information, address information and work information here and compare them with the information filled in by the customer on the application form. Call your spouse (parents) to verify the customer's family and work information and ask about the financial situation (refer to the nuclear question table. If the family knows about the loan, if not, let the customer think about the reasons and excuses himself. Verify vehicle information, such as brand, model and color. If in doubt, it should be recorded. (can be disguised as a courier phone verification)

(3) Call the customer himself to verify the work, family and vehicle information, focus on the questions arising from the previous electric test, and listen to how the customer explains.

5. Submit preliminary opinions on the results of material review and electronic review, and put forward suggestions for overseas visits.

Key points of preliminary examination and electric examination: (1) Review the completeness and compliance of materials. (2) Cross-check the authenticity of customer information according to the information submitted by customers and electronic audit.

Second, the foreign affairs visiting Commissioner.

1. Conduct on-site visits to customers who need on-site investigation. Interview suggests combining light and shade to get more real information. (Unannounced visit: conducting an investigation without informing the customer; Inform the customer to cooperate with the investigation) according to the contents and requirements of the external access volume.

2. Work unit survey

(1) Office customers: After arriving near the customer's unit, first observe whether the name of the customer's unit is consistent with the application form, whether the vehicle is present, and then observe whether there are reception room, doorman, front desk and other personnel to understand the customer's situation. After confirming that the customer's work information is true, you can directly enter the company to find the customer or call the customer to meet. After entering the company, you should pay attention to whether there are forms such as duty table or performance ranking table on the wall, and look for information such as customer names and positions. Observe the customer's office environment and office brand. Find an independent environment to fill in the list and have an interview after meeting the customer. (You can ask to meet colleagues and contacts).

(2) Legal person or individual industrial and commercial customer: After arriving near the customer's unit, first observe whether the name of the customer's unit is consistent with the application form and whether the vehicle is present. Secondly, observe whether there are reception room, doorman, front desk and other personnel to understand the situation of the unit and customers. After contacting customers or entering the company, observe the company's environment, confirm whether the operation is normal, the number of employees, understand the main products of the customer company, and ask questions such as annual output value, profit rate and raw material price. If it is a production, processing or retail enterprise, it needs to know the inventory, order quantity, and shoot upstream and downstream documents. Check whether the business license is consistent with other enterprise information. Whether the factory is owned or leased, if it is leased, the lease contract needs to be taken.

3. Family survey: First, make clear the number of clients' properties and determine their long-term residence address. After entering the customer's residence, take photos of each room, whether there is oil smoke in the kitchen, and whether there are personal cleaning products in the bathroom. , and specializes in shooting women's cosmetics, air conditioners, televisions, refrigerators, etc. Determine the customer's consumption level at the customer's residence Interview the customer's family and learn the names, jobs, relationships with customers and other information of all roommates. Focus on the information of customers' children, such as name, gender, age, work unit or school and class. If there are photos of children, focus on shooting (without the customer's knowledge); Check the customer's personal data, ID card, household registration book, marriage certificate, etc. After bidding farewell to the customer, you can go back to the community where the customer lives to understand the customer's situation, whether the family is harmonious, whether there are bad hobbies, whether there are debt collectors coming to the door, etc.

4. Submit a report on overseas visits in combination with the investigation of client units and families, and give objective and fair suggestions on overseas visits in the report (if the document is passed or rejected, the reasons for rejection shall be given).

Key points: when visiting abroad, it is required to take photos of street signs, community gates, unit famous brands, building numbers, unit numbers, account names, etc. Customer's unit and family. Take photos of the customer's office environment and living environment. Foreign visits must be recorded throughout (including unannounced visits). The evaluation of customers must be objective and fair, and it is forbidden to ask for or accept money from customers. Once verified, the company will be dismissed immediately, and the company with serious circumstances and huge amount reserves its rights.

Third, the customer service specialist.

1. Answer customers' questions about loan products, such as loan interest rate, cycle and repayment method.

2. Assist customers to sign relevant contracts and agreements;

(1) loan contract

(2) Mortgage contract

(3) Financing intermediary service agreement

(4) Vehicle transfer agreement

(5) Power of attorney

(6) Letter of confirmation of entrusted transfer

(7) Letter of Commitment on Delivery and Authorization of Car Keys

(8) Power of Attorney II. Remind not to leave Jiangsu Province; Third, verify the platform account; Fourth, two signed photos.

5. After the contract is signed, the customer information, signed contract agreement and other texts shall be filed and submitted to the Finance Department for record management.

Key points: Customer service signing is the last step of the risk control process, involving related contracts, agreements and legal documents. Therefore, the customer service staff must double-check when signing the contract to confirm that the applicant has signed at every place that needs to be signed; All the documents have been signed. The signature process requires full video recording.

Fourth, call the Commissioner.

1. SMS three days before the repayment date to remind customers to repay on time; Call the customer one day before the repayment date to remind the customer to repay on time; On the day of repayment, call the customer to repay the loan on time, and inform him of the expenses and consequences once it is overdue.

2. Call the overdue customers and tell them the possible consequences. (Pledge customers to deal with overdue vehicles 15 days. If the customer indicates that he is short of money, but will repay the loan as soon as possible within 15 days, he shall agree with the customer on the specific repayment date and inform him of the overdue fees incurred by repayment on the agreed date; If the customer does not answer the phone or loses contact, he should report to the risk control manager immediately. )

3. Contact the contact person of the overdue customer to find out the recent situation of the overdue customer, and whether there is any emergency or other special circumstances.

Verb (abbreviation of verb) cashier

1. Visit loan customers regularly to learn about their recent situation. If you find the customer abnormal, you should report it to the risk control manager immediately.

2. When the customer with overdue pledge refuses to repay or loses contact during the electricity reminder, the collection specialist will go to the door to investigate the customer's situation and interview the customer to urge the customer to repay. If you find that the customer has run away or is chased by many people, you should report to the risk control manager immediately.

3. Once the customer of GPS is overdue, the GPS Commissioner will immediately report to the risk control manager and provide the GPS information to the collection Commissioner, who will take copies of various contracts, agreements, power of attorney and other documents to the finance office to extract the keys of relevant vehicles and detain them at home. This process is initiated by the GPS Commissioner, and provides GPS positioning data support throughout. If the seizure is successful, drive to the place designated by the company; If the seizure is unsuccessful, report it immediately.

4. Make a door-to-door investigation on the customers with abnormal GPS information found by the GPS Commissioner to see if there is any emergency or other abnormal situation. Causes of abnormal GPS information. If the customer is abnormal, immediately report and implement the process in step 3.

Important point: Both the collector and the collector should report to the supervisor or the risk control manager as soon as they find that the customer is abnormal. Don't abuse customers or argue with them. The car collection Commissioner shall not have physical conflict or any violence with the customer during the door-to-door investigation or car collection. The first priority is to protect the personal safety of our personnel.

Sixth, GPS Commissioner

1. Contact the GPS master and set an appointed time to install GPS for the mortgaged vehicle.

2. Be responsible for monitoring the daily GPS data, and immediately report the GPS alarm information or any abnormal situation to the risk control manager. Each vehicle should be monitored at least 5 times a day, and the monitoring time should be allocated reasonably. The GPS expert's mobile phone must be turned on 24 hours a day, and the monitoring software should be turned on to receive possible alarm information.

3. Check the GPS installation of mortgaged vehicles. Whether the mortgaged vehicle is equipped with GPS monitoring equipment correctly according to the company's requirements, whether the installed GPS equipment works normally and whether the positioning information is accurate.

4. Cooperate with the collection personnel to collect or collect the car, and provide GPS positioning and tracking information for the whole collection process.

Important: Daily monitoring tasks must be completed as planned. Any suspicious or unusual situation must be reported immediately. In case of GPS alarm, the relevant personnel shall be notified immediately (the risk control manager and the collection personnel shall keep the telephone open for 24 hours). Carry out complete and strict tests on the installed GPS to ensure the normal operation of the equipment and accurate positioning information.

Second, what should the car loan risk control do? Which car loan GPS is good?

To do gps risk control of car loans, it is recommended to find someone with industry experience and a long time of establishment. For example, Schwartz is one of the earliest companies specializing in gps risk control in China. At present, we have rich experience in car loan cooperation with Dingding Loan, Qianba, Hao Hao Loan and Microfinance Network.

Third, what does the company's risk control department mainly do?

Risk control: a term in modern economic management, which refers to controlling the risk of financial losses of enterprises. Risk control expert (for customers) Job function: risk control. Responsible for the management of loan customer information (before, during and after the loan). Responsible for handling customer complaints and return visits. Responsible for risk control, monitoring and management of the company's guarantee business. Responsible for organizing the disposal of the company's non-performing secured loans.

4. What risk control pain points will the auto finance industry encounter?

The biggest problem in the auto finance industry should be the risk control of auto loans;

Facing the good market situation of auto finance, the high risk of auto finance can not be ignored. Market risk, operational risk, credit risk and illegal operational risk exist in all aspects of automobile financial services. With the continuous relaxation of credit policy, intermediary fraud, identity theft, vehicle cashing, double loan for one car and other auto financial risk behaviors frequently occur, and even become a pain point that cannot be ignored in the auto finance industry.

The fundamental reason for frequent fraud and chaos in the auto finance industry is that the platform itself has weak risk control ability and weak awareness of risk control. The information in the auto finance industry is opaque, the market lacks a perfect credit system, and the platform's own risk control ability is insufficient, which leads enterprises to effectively avoid fraudulent acts such as repeated mortgage and fraudulent loans. At the same time, in order to seize market share, many trading platforms excessively pursue the scale and speed of lending, lower the requirements for risk control, and even ignore the risk control link of auto finance, lending as long as customers apply, which greatly condones the breeding of fraudulent loans.

To do a good job in auto financial risk control, we must do a good job in people's risk control. Tongfudun Big Data Risk Control, relying on its powerful big data risk control management and analysis platform, has established a safe and mature big data anti-fraud system, which effectively controls the fraud risk of customers from the application stage to the post-loan management stage. Tongfudun anti-fraud cloud platform can help auto finance smooth the auto finance risk control system managed before, during and after lending from three aspects: account risk protection, application risk protection and fraudulent credit risk protection, effectively identify fraudulent loans, intermediary fraud and cash-out, and reduce capital losses.

I hope my answer is helpful to you.