Expert, Risk Policy & Strategy (Unsecured Lending)

Job Purpose
Retail & small BB banking credit risk management policies and strategies focus on customer centrix, ensuringthe sustainable development of retail banking credit portfolio in accordance with advanced standards andpractices.
Key Accountabilities
1. Research and development:
- Research, analyze, measure and quanify risks occuring from changes in legal policies, economics(macroeconomics, microeconomics, economic cycles,...), financial markert to evaluate the effects/impacts onretail & small BB credit activities;
- Research and update advanced risk management standards, techniques, models and practices;
- Research and select outsourcing partners to provide professional advice on risk management standards forTCB.
- Communicate and perform training to ensure that units can understand clearly and xxx
2. Professional tasks:
- Design, build and systematize the retail credit risk policies reasonably to meet business needs, long-termplans and new market trends, as well as in line with risk management framework
- Develop and customize base solutions: risk management methods/ models/ rule base/ advanced practices
- Own the process of defining, testing and production release, of Champion challenger, test cell, and Modelstrategies within the respective decision support systems
- Line Of Business risk management: Credit Line Management
- Risk transfer strategy (ABS, MBS & Insurance)
- Implementation of retail risk management:
+ Define Target Market determination, Risk Segmentation strategy and building unsecured lending product programs based on agreed Risk Appetite
+ Risk Appetite Strategy and monitoring
+ Creator & Owner of Underwriting standards
+ Policy Conformance review
+ New Business campaign policy, Cross sell / Upsell and down sell campaign policy.
+ Test cells and Champion Challenger strategies
+ Exception Policy and Underwriting
+ Down turn strategy and Management
- Receive/contribute comments to develop/adjust general policies of units related to retail & small BB credit.
3. Human resource management and development:
- Participate in strategic projects, inter-Division projects and projects of the Risk Management Division with theobjective of (i) identify risks of the unit during operation, (ii) coordinate with related units to provide solutions inmeasuring and mitigating risks, ensuring compliance with the bank's policies and development realities in eachperiod.
- As a coordinator to allocate job, control job's quality and guide team member,...
- Manage human resource, develop and enhance staff's professional competenciés
- Perform other related tasks at the request of the Director and/or the Senior Manager