Mô tả công việc
Mô tả Công việc
Role Purpose:
- Lead the development, enhancement, and governance of credit risk policies for retail products (mortgage, project home, unsecured lending, credit cards, etc.), ensuring a balanced approach between risk control and portfolio growth objectives.
- Translate risk strategy into clear, actionable credit policies that can be effectively implemented and monitored.
- This role is expected to actively challenge existing practices and contribute to building a stronger risk framework.
Key Responsibilities:
1. Policy Development & Governance
- Develop, review, and update credit risk policies across retail products
- Define underwriting standards, approval criteria, and delegation of authority
- Ensure policies are clearly documented, practical, and consistently implemented
- Conduct periodic policy reviews based on portfolio performance and market changes
2. Risk Strategy Translation
- Translate risk appetite and portfolio strategy into policy rules and cut-offs
- Work with Risk Analytics to embed scorecards, segmentation, and risk-based approaches into policies
- Ensure policies support sustainable growth while maintaining asset quality
3. Portfolio Monitoring & Policy Optimization
- Monitor portfolio performance (approval rates, early delinquency, vintage curves, etc.)
- Identify gaps and propose policy adjustments (cut-offs, rules, exceptions)
- Conduct impact analysis to assess effectiveness of policy changes
4. Stakeholder Management
- Collaborate closely with Business, Risk Analytics, Product, and Collections teams
- Provide risk perspective on business initiatives and product proposals
- Present policy changes and recommendations in a clear and structured manner
5. Regulatory Compliance
- Ensure compliance with SBV regulations and internal risk frameworks
- Support audit and regulatory review processes
6. Process & Control
- Maintain strong policy governance (documentation, version control, approval workflow)
- Ensure consistent policy implementation across channels and systems
Yêu cầu
Yêu Cầu Công Việc
Experience:
- Minimum 3+ years in credit risk or credit products, preferably within retail lending
- Experience in credit policy, underwriting, or risk strategy
- Exposure to retail products such as personal loans, credit cards, or mortgages
Technical Skills:
- Good understanding of retail credit lifecycle (origination → monitoring → collections)
- Familiarity with scorecards, segmentation, and portfolio performance metrics
- Ability to interpret data and translate insights into policy rules
- Understanding of SBV regulations and retail credit frameworks
Soft Skills:
- Strong analytical thinking and judgment
- Ability to balance risk and business objectives
- Willingness to challenge constructively and work cross-functionally
- Clear communication and structured problem-solving
- Proactive and ownership mindset
Quyền lợi
Laptop
Chế độ bảo hiểm
Du Lịch
Phụ cấp
Đồng phục
Chế độ thưởng
Chăm sóc sức khỏe
Đào tạo
Tăng lương
Công tác phí
Phụ cấp thâm niên
Nghỉ phép năm
CLB thể thao
Thông tin chung