Job Purpose
Ensure real-time database, instant credit decision engine, portfolio analysis and early warning reports for retail & small business banking risk management
Key Accountabilities (1)
'1. Manage credit portfolio
Identification of quality growth opportunities and ensure sustained growth in Assets and topline
Tail Risk Management
Portfolio mix and shaping
Portfolio monitoring , loss forecasting and early warning and early loss mitigation models
+ Evaluate portfolio performance and offer solutions to improve the quality of the portfolio.
+ Control the content and quality of the report before sending it out to the stakeholders.
Responsible to Provide Strategyperformance reportsto determine efficacy of strategies defined within decision support systems.
Bureau reporting and Bureau Services
Develop an early-warning system & determine Early Loss mitigation opportunities
Calculate regulatory capital requirements for credit risks
Credit Bureau Analytics
Loss forecasting -
Risk Reward measurement
Portfolio Sale / Risk Insurance / Portfolio securitization
Line Of Business risk management
Credit Line Management
Partnership / Eco system lending management
Build CAAS ( Credit as a Service ) eco system for all lending partnership
Manange Risk Decision support Systems
Owner of all Retail and Small BB Risk Decision support systems - Decision Engine , CFF , DSS, Dialer , Collection systems
Build and Manage Decision support systems for Account management and collections
Thought leader for data eco system both internal and external data for risk life cycle decision support
Portfolio data management and credit decision system support data
Build and standardize the database for real-time portfolio reports/analytic reports
Develop data requirements for credit decision system
Exploring and expanding external data services to serve the needs of analysis, management, and credit decision making
Key Accountabilities (2)
8. Human resource development
Participate in and coordinating with relevant units to deploy and directly teach training programs on risk identification and early warning signs for business units.
Train credit review for new staff.
Participate in the process of professional interviewing, recruiting personnel for the Department as assigned.
Other responsibilities:
Actively identify, manage and propose to reduce operational risks in the Team's work;
Develop yourself to perform well in your roles and responsibilities and adapt to work-related changes.
Identify and manage risks of the unit in the process of operation (operational risks), report back to the leadership for solutions to minimize risks.
Close cooperation with related positions, towards the common goals of the unit and the bank.
Strictly manage results according to assigned KPIs KPI
Periodically report to and be accountable to the Department Manager for the Team's work results.
Coordinate the work of the Department on behalf of the Division Director in the absence of the Division Director.
Support the Department Manager in performing the general tasks of the Department.
Strictly comply with the Bank's Labor Regulations
Perform other related tasks at the request of direct managers and upper management.
Participate in Techcombank's projects as directed;
Support the Department Manager in the work contents related to early warning/post-borrowing control/debt management of the project in case the Department Director participates in the project.
Key Accountabilities (3)
Key Relationships - Direct Manager
Senior Manager, Retail & Small Business Banking Credit Risk Management
Key Relationships - Direct Reports
Officer/Senior Officer, Retail & Small BB Credit Risk Data, Portfolio Management & Early Warning
Key Relationships - Internal Stakeholders
Units in the bank (CSA, RBG, CA, ...)
Key Relationships - External Stakeholders
Success Profile - Qualification and Experiences
- Degree/Professional: University graduate or higher majoring in economics/finance/banking/statistics.
Minimum 6 years experience in credit appraisal, credit analysis, credit control
Minimum TOEIC 650 or equivalent
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