Consumer Banking Credit Risk Management Staff

Purpose

To strengthen controls on credit risk and fraud risk related to Consumer Banking business.

Main tasks

• Assist team head in development, monitoring and adjusting credit risk management policies, application processing, credit underwriting process in line with business strategies, risk appetite for each products and socio-economic situation

• Monitor and analyze on-going risk decision results, understand risk trends and identify emerging risk factors

• Initiate change requests for credit policy rules and calculation logics in decision engine system to improve efficiency, enhance portfolio performance and mitigate credit risk

• Consult and review on risk mitigation perspective for products/ product programs

• Perform risk-related analysis in collaboration with Data team to assess the creditworthiness of loan applicants, identify potential fraud risks, and propose solution to mitigate lending risks

• Research and communicate with vendors to acquire information and service to develop and enhance the credit risk management. Support in reporting, reconciliation, error handling with vendors

Key performance index

Financial Aspect

• NPL ratio

• Consumer Credit Cost

Non-financial Aspect

• Ensure Consumer banking credit risk management regulations and procedures are developed and reviewed timely

• Effectiveness of fraud detection

• Effectiveness of internal controls

• Provide support to customer objectives by delivering value through simplified risk practices and processes

Professional requirement

• Expert knowledge on Consumer credit risk areas, Consumer Banking products and services

• Problem-solving, positive and constructive attitude is a must

• Self-motivated and detailed oriented team player who is able to multitask in a fast-paced environment

• Knowledge in technology or data analytics skills

Most challenging and difficult parts

Requirements

Education

• Bachelor's degree or higher

Work experience

• 5+ years of relevant hands-on banking or fintech experience, handling credit risk related portfolios

• 5+ years experiences of Vietnam market.

Language skill

• Proficient in Vietnamese and either English or Chinese is a must.

• Thưởng: Performance review
• Chăm sóc sức khoẻ: Cathay insurance
• Đào tạo: Domestic and oversea training