RESPONSIBILITIES

• Oversee comprehensive risk management for a wide range of loan products, including retail mortgage loans, secured business loans, car loans, cash loans, credit cards, overdrafts, BNPLs, consumer and household business lending, all acquired through digital channels, third-party sourcing, and over 230 branches and sales hubs.
• Products: Participate in the whole product development lifecycle, maximizing risk/return balance, identifying market opportunities, refining customer targeting tactics, and ensuring timely market launches.
• Underwriting: Monitor and update retail underwriting techniques, run champion-challenger tests, get field feedback for strategy improvement, balance approval time and rates, and detect fraud in applications and transactions.
• Portfolio management entails overseeing and immediately adjusting credit portfolios, conducting stress tests, establishing effective early risk triggers, and managing all elements influencing portfolio quality, such as changes in customer profiles, sales channels, incentive schemes, debt collection, and recoveries.
• Analytics: Use application, behavioral, propensity, and other scorecards, cluster portfolios, and advanced analytical tools to discover movements in consumer categories and make forward-looking projections.
• Efficiency: Constantly enhance the lifetime cost of credit, cost of risk against return, single account profitability modeling, asset pricing, and collateralization.
• Innovations: Direct the application of AI and GenAI technologies.
• Customers can be profiled utilizing data from social networks, digital footprints, mobile operators, gamification, and app usage.
• Compliance: Lead Advanced IRB projects, calibrate PD/EAD/LGD, and ensure adequate loan loss coverage in accordance with IFRS 9 and local accounting requirements.
• IT: Consult on IT architecture for mass lending, credit decision-making platforms, and open API integration.
• Content: Create detailed collecting processes, policies, and documentation.
• Partnership: Work as a business partner with departments such as Retail Business, Collections, Finance, HR, IT, BI, Operations, Legal & Compliance, and Fraud Prevention.
• Team Building: Create, lead, and create teams that meet the highest industry standards.

REQUIREMENTS

• A Master’s degree in Business, Statistics, Economics, Mathematics, Engineering, or a related field.
• At least 5 years of management experience in retail risk management within banks or financial companies.
• Proven experience leading teams of over 35 full-time employees.
• Exceptional people management, mentoring, and leadership abilities.
• Proficiency in working with IT platforms that support retail business, such as LOS, decision engines,
  AI/ANI applications, Open API, and tokenization.
• Strong skills in business partnering.
• Excellent written, verbal, and presentation skills.
• Fluency in English; proficiency in Vietnamese is a plus.
• High level of responsibility and integrity.