Associate, Risk Management

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Job Purpose
• To perform credit activities strictly and in accordance with the approved policies/regulations.
• Perform and monitor credit approval in accordance with the rules of the company and follow regulatory provisions. Fully comply with the policies and regulations of the company and the legal system in order to minimize risks.
Key Responsibilities
Credit Analysis & Bond Assessment
• Conduct credit due diligence and risk assessment on corporate bond issuers, including financial statements, capital structure, cash flow, and repayment capacity.
• Analyze government bonds, corporate bonds, and other fixed-income instruments.
• Perform internal credit rating and scoring for each issuance.
Credit Risk & Margin
• System & Limit Management: Update purchasing power, margin ratios, and limits in the system; review and maintain the marginable stock list.
• Account Monitoring: Track margin account status, market movements, and concentration risks (single counter & single client exposure).
• Risk Control & Actions: Notify brokers/customers of margin calls; coordinate with relevant departments to initiate forced sales; send SMS notifications to clients.
• Advisory & Support: Provide credit advisory/guidance to business units.
• Reporting & Compliance: Prepare reports for local/regional management and regulatory authorities.
Implement Risk Projects
• Make detailed plans and collaborate with related parties to implement the projects.
System Enhancement
• Detect and describe detailed bugs/problems of systems to managers/project teams.
• Collaborate with other departments to find solutions to resolve issues and enhance systems.
Reporting & Data Storage
• Prepare periodical reports for local and regional management, and regulators.
• Export and store daily data.
Non-Financial Risk Management (Supporting Role)
• Operational Risk: Support ORO in conducting RCSA, KRI & IMDC.
• BCM: Support the risk team in conducting Analysis & Assessment processes (BIA, RA) and Exercises (DRE, CTE, CSE, LSO, DRE).
• Information Risk: Support in conducting periodical premises sweep, surprise checks and reports.
Other Duties
• Perform other duties as assigned by the Head of Risk.