Hotline

1900 5454 49Call rate 1,000 VND/min

CREDIT RISK & DECISION SCIENCE

Decision Science Manager (HCM)

                                                                               

 

 

Job Title                                 : Decision Science Manager.

Department                            : Credit Risk & Decision Science

Location                                 : HCM

Report to                               : Chief Risk Officer

Number of Subordinates         :3

 

Job Summary:

As important part of Organization, Decision Science Department plays the key role in building centralized
database and system; provides the consolidated insight of company level through various analysis from
Sales, Risk to Finance aspects. Decision Science Department would handle the circle of responsibilities
from technology, data, process, usage and strategy to give value solution to Board of Management under
independent party (3P) view.

 

Key Accountabilities:

 

- Provide insight through data analysis in various aspects encompassing Sales, Risk, Finance and Operations perspective as an independent function from Risk or Sales.

- In charge of company database management such as database (DB) structure design and
centralizing all information, etc.

- Be a bridge between business and IT for work-related data management.

- Operationalize business analytics in order to bring tangible values for relevant business divisions.

- Develop tools to provide standards MIS such as dashboard for entire company level.

- Market research and provide outlooks for business strategy.

- Support business project by providing various ad-hoc analysis to concerned departments.

- Monitor/alert operation efficiency and business trends in deep level.

- Operationalize business analytics in order to bring tangible values for relevant business divisions.

- Develop the team through on-going coaching, goal-setting, performance management and training.

- Other key projects as the business needs & jobs assigned by Board of Management time to time.

 

 

Job Requirements:

 

1. Education background & experience

- Bachelor degree or above
- More than 10 years of working experience in financial industry.
- More than 5 years of analysis experience/skills in risk or sales or finance team
- Experience/background of IT, software, and consulting company would be preferential
- Good command of English

 

2. Knowledge & Skills


- Proven thought leadership with a superior ability to drive results and strategies.
- Strong understanding of the financial services or related industry
- Demonstrated ability to analyze business strategies and see developing trends.
- Track record of integrity, innovation and overall excellence.
- Strong communication and leadership skills and the ability to assume increasing responsibilities in a
rapidly-changing environment.

 

 

How to apply

We can’t wait to find our next great talent! If interested, Please send your CV to Recruitment team at: [email protected]

 

CIU Final Reviewing Manager (HCM)

 

Job Title                                 : CIU Final Reviewing Manager

Department                            :Credit Risk & Decision Science

Location                                 : HCM

Report to                               : Head of CIU

 

 

Job Summary:

 

Managing the centralized CIU Final Review team, initiating/participating change project to enhance the team
performance and effectiveness.
CIU Final Review is the last check point in CIU stage, where main tasks are to:
• Evaluate CIC and score result
• Evaluate PS, CV, FV result
• Evaluate applicant profile to detect fraudulent signals (if any)
• Conduct budget analysis (DBR, PTI…)
• Ensure all data keyed in are precise and consistent with what have been verified
• Make judgement on whether to pass, reject, or salvage the application

 

Key Accountabilities:

 

1. Monitoring Final Reviewer attendance and ensuring high productivity of Final Review team on daily basis

2. Follow up with Final Reviewer to clear long pending cases, to maintain the overall TAT as required

3. Conducting regular training, coaching to maintain the credit quality, delinquency as per threshold (# of credit

finding, delinquency ratio…), to enhance the assessment skills for the Final Review team, as well as to deliver excellent service to customer

4. Conducting proper capacity planning, prompt recruiting and training to fill in any vacancy, to ensure business continuity

5. Proactively initiating or participating in change projects to enhance the Final Review performance and effectiveness

6. Proactively connecting Final Review team to maintain good team morale, high spirit, proper mindset and high

integrity

 

Job Requirements:

 

 1. Qualification: University Graduated

 

2. Experience: At least 5 years of work experience in underwriting field

                        Used to lead/manage team and work in consumer lending is preferred

 

 

3. Knowledge:

Consumer lending, regulations on labor, residence, business

 

4. Skills:

- Good leadership, open-minded, adaptive to changes and lead the changes

- Good speaking and writing English

- Good presentation skills

- Good MS office (PPT, excel)

- Good data analysis skills

-  Good team work

-  Strong integrity and commitment

 

 

 

How to apply

We can’t wait to find our next great talent! If interested, Please send your CV to Recruitment team at: [email protected]

 

 

Assistant Credit Policy Manager (HCM)

 

Job Title                                 : Assistant Credit Policy Manager

Department                            : Credit Risk & Decision Science

Location                                 : HCM

Report to                               : Assistant Credit Policy Manager

Number of Subordinates         :1

 

Job Summary:

 

 The key role is to manage overall credit lending policy of consumer loan products by both defining and implementing appropriate credit policy and supporting due diligence on new growth opportunities for sustainable & profitable business growth.  The role is aimed at ensuring the maximum of business growth while controlling the risk as specified in the business plan, development and execution of credit policy and product strategy, and providing effective inputs to the head of risk. This job holder is responsible for producing the analytic packs & scorecard monitoring, strong in statistical modeling and segmentation. The responsibilities also include ensuring credit risk activities are in compliance with civil laws, local regulations and in-line with regional risk management framework

 

Key Accountabilities:

 

 

1. Credit policy management: to develop/implement/measure/track credit policies and procedures including system setup testing to ensure properl

2. Portfolio management, modeling & analytics: to analyze and mine credit performance by credit risk quantitative models, analytics to provide findings for business decision making and adjustment. To pattern and segment portfolio to identify various kind of credit risks.

3. Company database management: to manage different kinds of company database, refresh lists of companies to target, classify various customer segments.

4. Due diligence: to establish, maintain due diligence, moderate/ co-ordinate activities from relevant counter-parties to seek business growth, process enhancement opportunities.

5. Internal policy manual/guideline and external/legal letter control: to be responsible to prepare, submit and retain documents related to Credit Risk for both internal & external usage purposes (internal lending policy, SBV/CIC reports, regulation/legal documents, operational risk documents ...) to ensure the compliance with local/regional requirements.

6. Macro economy, competitor, and market intelligence: to be vigilant for overall macro economy trend, competition landscape/movement for executing required counter measure to weather the situation to the favor of the business with timely report to Risk.Com and management.

 

Job Requirements:

 

 

 1. Qualification: Qualifications: University Graduate, major in Business Administration, Banking, Finance, Statistic, Econometrics or related fields.

 

2. Experience: Minimum of 4 years experience in Banking or Consumer Finance firms with practical knowledge in credit policy, portfolio management or credit verification/underwriting.

 

3. Knowledge:

- Exposure to credit and risk techniques, quantitative analysis, system UAT experiences.
- Be familiar with local regulations, legal requirements in banking, consumer finance industry.
- Understanding of consumer finance industry and macro economics.

 

4. Skills:

- Fluent both spoken and written English.
- Strong at numerical skills, quick learner.
- Good at leadership and people interaction skills.

 

How to apply

We can’t wait to find our next great talent! If interested, Please send your CV to Recruitment team at: [email protected]

 

Decision Science Supervisor (HCM)

 

 

Job Title                                 : Decision Science Supervisor

Department                            : Credit Risk & Decision Science

Location                                 : HCM

Report to                               : Decision Science Manager

 

 

Job Summary:

 

As important part of Organization, Decision Science Department plays the key role in building centralized
database and system; provides the consolidated insight of company level through various analysis from
Sales, Risk to Finance aspects. Decision Science Department would handle the circle of responsibilities
from technology, data, process, usage and strategy to give value solution to Board of Management under
independent party (3P) view.

 

Key Accountabilities:

 

 - Provide insight through data analysis in various aspects encompassing Sales, Risk, Finance and Operations perspective as an independent function from Risk or Sales.

- In charge of company database management such as database (DB) structure design and centralizing all information, etc.

- Be a bridge between business and other departments for work-related data management.

- Operationalize business analytics in order to bring tangible values for relevant business divisions.

- Develop tools to provide standards MIS such as dashboard for entire company level.

- Market research and provide outlooks for business strategy

- Support business project by providing various ad-hoc analysis to concerned departments.

- Monitor/alert operation efficiency and business trends in deep level.

- Operationalize business analytics in order to bring tangible values for relevant business divisions

- Other key projects as the business needs & jobs assigned by Decision Science Manager/ Head of Decision Science time to time.

 

Job Requirements:

 

1. Education background & experience

- Bachelor degree or above and majoring in in Statistics/Math, Computer Science, MIS

- More than 4 years of working experience in Financial industry, Business Intelligence/Analyst in ecommerce is preferable.

- Have experience in using the analytical tools such as: Excel, SAS, Oracle… applied for Finance/ Banking industry.

 - Good command of English

2. Knowledge & Skills

- Strong analytical skills with the ability to collect, organize, analyse, and disseminate significant amounts of information with attention to detail and accuracy

- Good analytical skills;

- Good at visualizing MIS/ dashboard and strong in numbers;

- Demonstrated ability to analyze business strategies and see developing trends

- Strong understanding of the financial services or related industry

- Track record of integrity, innovation and overall excellence.

- Strong communication and the ability to assume increasing responsibilities in a rapidly-changing environment.

 

 How to apply

We can’t wait to find our next great talent! If interested, Please send your CV to Recruitment team at: [email protected]

 

 

 

 

Fraud Prevention Supervisor (HCM)

 

Job Title                                 : Fraud Prevention Officer

Department                            :Credit Risk & Decision Science

Location                                 : HCM

Report to                               : Fraud Prevention Manager

Number of Subordinates         :No

 

Job Summary:

 

 Be responsible for conducting all types of investigation related to credit fraud both internally and externally

 

 

 Key Accountabilities:

 

1. Continuously reviewing, monitoring and understanding the application flow and behavior to detect fraud trend.

2. Proactively initiating and recommending process improvement during daily tasks in order to optimize fraud
detection and prevention, including set-up, update and implementation of the new process.

3. Conducting in-depth investigation upon findings through data review to detect actual fraud incidents in relation
to either customers or internal staff.

4. Conducting independent field check any suspicious incidents on the requirement basis.

5. Communicating with relevant departments of fraud incident outcomes and handling the case from the start to
the end process.

6. Proactively liaising with law enforcement agencies and government offices to ensure the company maintains
sound relationship with those external contacts in an appropriate manner to gain maximum support during fraud
handling.

7. Properly taking preventive action based on the findings to effectively protect the Company from any
foreseeable or potential damage.

8. Assisting team members and Fraud Prevention Manager in daily tasks.

9. Performing ad hoc task as per business requirements.

 

 

Job Requirements:

 

 1. Qualification: University Graduate, major in Police, Security, Math, Statistics, MIS, Finance, Accounting or Business Administration.

 

2. Experience: At least 3 years of experience in financial sector, especially in the field of credit fraud investigation.

 

3. Knowledge:

-General knowledge of financial sector.
-Knowledge of consumer finance business is preferable.

 

4. Skills:

- Good communication and analytical skill
- Good interrogation and investigation skill

 

 

How to apply

We can’t wait to find our next great talent! If interested, Please send your CV to Recruitment team at: [email protected]

 

 

Auto Loan Underwriter (HCM/HN)

 

Job Title                                 : Auto Loan Underwriter

Department                            :Credit Risk & Decision Science

Location                                 : HCM/HN

Report to                               : CIU Manager/Head

Number of Subordinates         :No

 

Job Summary:

 

 

Handling auto loan underwriting, pre-approval and contract issuance process; ensuring loan is given in accordance
to company policy.

 

Key Accountabilities:

 

 

1. Ensuring all required loan documents are sufficiently and timely obtained.

2. Evaluating loan documents, customer’s eligibility and creditworthiness via document assessing, tele verifying, field verifying.

3. Ensuring all loan data and information collected during evaluation process are appropriately captured in system

4. Ensuring contract issued in accordance to company policy and subject to passing all underwriting criteria

5. Ensuring TAT is in line with business requirement.

6. Managing effective communications with relevant stakeholders to ensure smooth operations.

7. Proactively handling issues arising within assigned work scope.

8. Proactively maintaining supportive network to enhance

 

 

Job Requirements:

 

 1. Qualification: University Graduated

 

2. Experience: At least 3 years of work experience in underwriting field

                         Used to work in auto loan lending is preferred

 

 3. Knowledge:

Auto loan lending & regulations

 

4. Skills:

- Good speaking and writing English

- Good MS office (PPT, excel)

- Good teamwork

- Attention to details

- Strong integrity and commitment

 

 

How to apply

We can’t wait to find our next great talent! If interested, Please send your CV to Recruitment team at: [email protected]

back to top top
loading
Loading...