Hotline

1900 5454 49Call rate 1,000 VND/min

CREDIT RISK MANAGEMENT

 

Risk Analytics Manager

Internal job title: Head of Risk Analytics dept

 

 

General Information:

                                                                                   

Job Title                      : Risk Analytics Manager

Division                       : Credit Risk Management

Department                 : Risk Analytics

Location                      : HCMC

Report to                     : Chief Risk Officer

 

Job Summary:

 

This job holder is responsible for producing the analytic packs, important reports, having regular review with Policy team on the most updated policy to review the impact of new policy by providing analytics report and supporting Team on new projects assigned. The job holder also has abilities of credit risk scorecard development and monitoring as well as creating scorecard management reports, strong in statistical modeling and segmentation. The position also has ability of creating new proposals for credit analytics

 

Key Roles & Responsibilities:

 

  1. Prepare ad-hoc analysis and MIS reports on regular basis (daily, weekly, monthly…) for various departments/ functions
  2. Analyze data for trends, issues, inaccuracies, and inconsistencies; report findings and execute management decision as appropriate
  3. Regularly conducting portfolio review with credit policy & product team, credit operation units to address the trends, issues & inconsistencies, propose action plans.
  4. Applying various statistical techniques (segmentation, pattern, decision tree, regression…) in data mining to propose business changes.
  5. Setting up scorecard rules in system by cooperating with IT team to integrate scoring logic in core banking system. Periodically monitoring credit risk scorecard models to ensure validity, accuracy, compatibility with business requirements
  6. Proposing new approaches in risk modeling and segmentation to enhance risk management and credit policies
  7. Conduct on job training for analytic team members.
  8. System and database enhancement by addressing issues and executing UAT

 

Job Requirements:

1. Qualification: University degree in MIS/Information System, Data Science, Business Analytics, IT & Computer Science, Mathematics, Statistics, econometrics, Economics or related fields

2. Work Experience: Minimum of 5 years’ experience in Risk analytics, Data analytics, Credit scoring analysis or Database programming in banking or consumer finance industry with practical usage of analytical, database programming tools (SAS, Oracle, SQL or other database management systems)

3. Knowledge: 

- Exposure to credit and risk techniques, quantitative analysis, data programming, statistic models and strong at numerical skills. 

- Knowledgeable of model risk management and associated regulatory requirements.

- Strong at analytic skills, experience users of SAS, Oracle, MSSQL, MySQL, R, SPSS

- Consumer lending, regulations on labor, residence, busines

4. Skills:

-  Numerical & analytical sense: ability to tackle a problem by using a logical, systematic, sequential approach.

-  Computer skills: advanced user of excel

- Good leadership and management skills (considerable tact, diplomacy and people skills.

- Good command of spoken and written English

5. Attitude: 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]

 

 

 

 

 

Credit Initiation Manager

Internal job title: Credit Initiation Team Head

 

General Information

                                                                                   

Job Title                      : Credit Initiation Manager

Division                       : Credit Risk Management

Department                 : Credit Initiation

Location                      : HCMC

Report to                     : Head of Credit Initiation Dept

 

Job Summary:

 

Managing the centralized credit verification teams, participating/initiating change project to enhance the CI performance and effectiveness

 

Key Roles & Responsibilities:

 

  1. Monitoring credit verification staff attendance and ensuring high productivity on daily basis
  1. 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 credit verification teams, as well as to deliver excellent service to customer
  2. Conducting proper capacity planning, prompt recruiting and training to fill in any vacancy, to ensure business continuity
  3. Proactively participating in or initiating change projects to enhance the CI performance and effectiveness
  4. Proactively connecting all CI staff to maintain good team morale, high spirit, proper mindset and high integrity

 

Job Requirements:

1. Qualification: University Graduated

2. Work 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, busines

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 teamwork

5. Attitude: 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 Fraud Prevention Manager

 

General Information

                                                                                   

Job Title                        : Assistant Fraud Prevention Manager

Division                         : Credit Risk Management

Department                   : Fraud Detection

Location                        : HCMC

Report to                      : Head of Fraud Detection

 

Job Summary:

 

 Be responsible for all types of credit fraud prevention activities both internally and externally

 

Key Roles & Responsibilities:

 

  1. Conducting investigation on fraud suspicious cases and identifying if there is any malpractice involved and person responsible for fraud conduct.
  2. Monitoring and ensuring that Fraud Management System is working properly and effectively.
  3. Reengineering or streamlining process for maximizing capacity to achieve operating objective.
  4. Proactively initiating process improvement in order to optimize fraud detection, including setting up and implementing new process, and recruiting staff.
  5. Strong supervising ability and proactively planning and managing capacity requirements as business volume and resources increase.
  6. Managing denouncement related to fraud case.
  7. Providing the underwriting teams and SR with on-the-job trainings for awareness of fraud trend
  8. Reporting to Compliance Department the significant fraud cases for awareness and PCA reporting. 

 

Job Requirements:

 

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

2. Work Experience: At least 5 years of experience in financial sector (with 3 years in management position), 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

5. Attitude: 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]

 

 

 

Risk Analytics Officer

 

General Information:

                                                                                   

Job Title                      : Risk Analytics Officer

Division                       : Credit Risk Management

Department                 : Credit Analytics

Location                      : HCMC

Report to                     : Head of Risk Analytics Dept

 

Job Summary:

 

This job holder is responsible for producing the analytic packs, important reports, having regular review with Policy team on the most updated policy to review the impact of new policy by providing analytics report and supporting Team on new projects assigned. The job holder also has abilities of credit risk scorecard development and monitoring as well as creating scorecard management reports, strong in statistical modeling and segmentation. The position also has ability of creating new proposals for credit analytics.

 

Key Roles & Responsibilities:

 

  1. Prepare ad-hoc analysis and MIS reports on regular basis (daily, weekly, monthly…) for various departments/ functions
  1. Analyze data for trends, issues, inaccuracies, and inconsistencies; report findings and execute management decision as appropriate
  2. Regularly conducting portfolio review with credit policy & product team, credit operation units to address the trends, issues & inconsistencies, propose action plans.
  3. Applying various statistical techniques (segmentation, pattern, decision tree, regression…) in data mining to propose business changes.
  4. Setting up scorecard rules in system by cooperating with IT team to integrate scoring logic in core banking system. Periodically monitoring credit risk scorecard models to ensure validity, accuracy, compatibility with business requirements
  5. Proposing new approaches in risk modeling and segmentation to enhance risk management and credit policies
  6. Conduct on job training for analytic team members.
  7. System and database enhancement by addressing issues and executing UAT

 

Job Requirements:

 

1.  Qualification: University degree in MIS/Information System, Data Science, Business Analytics, IT & Computer Science, Mathematics, Statistics, econometrics, Economics or related fields

2. Work Experience: Minimum of 5 years’ experience in Risk analytics, Data analytics, Credit scoring analysis or Database programming in banking or consumer finance industry with practical usage of analytical, database programming tools (SAS, Oracle, SQL or other database management systems

3. Knowledge:

- Exposure to credit and risk techniques, quantitative analysis, data programming, statistic models and strong at numerical skills

- Knowledgeable of model risk management and associated regulatory requirements

- Strong at analytic skills, experience users of SAS, Oracle, MSSQL, MySQL, R, SPSS…

- Experience in banking/consumer finance is required

4. Skills:

- Numerical & analytical sense: ability to tackle a problem by using a logical, systematic, sequential approach.

- Computer skills: advanced user of excel

- Good command of spoken and written English

5. Attitude: 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]

 

Credit Policy Officer

 

 

General Information:

                                                                                   

Job Title                        : Credit Policy Officer

Division                         : Credit Risk Management

Department                   : Credit & Risk Planning Department

Location                        : HCMC

Report to                      : Assistant Credit Policy Manager

 

Job Summary:

 

The key role is to provide analytic reports and develop, monitor credit lending policy of consumer loan products. This job holder is also responsible for analytics to review the impact of new credit policies, lending program to give input for higher level in order to have proper action to support for business growth.

 

Key Roles & Responsibilities:

 

  1. Provide frequent or ad-hoc analytic reports on credit performance as required by Head/Manager of credit policy
  2. Analyzing and mining credit portfolio performance for enhancing credit policy as required by Head/Manager of credit policy
  3. Develop/implement/track credit policies and procedures for consumer loan products (PL, Auto loan, Sales Finance…)
  4. System setup/UAT testing for new products/credit policies to ensure properly execution.
  5. In charge of ad-hoc or frequent company database review (approve new company into company database, block/unblock company, downgrade or upgrade company category in company data base…).
  6. Prepare, submit and retain documents of Credit Risk department including internal policy manual/guideline, external/legal letter, SBV reporting…to ensure the compliance with local/regional requirements.

 

Job Requirements:

 

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

2. Work Experience: 

- Minimum of 2 years experiences in Banking or Consumer Finance with some knowledge in data analysis or portfolio analysis or credit policy or credit verification/underwriting

3. Knowledge:

- Understanding of consumer finance industry, experience in Sales Finance product is an advantage.

- Basic knowledge in Database with analytical tools: SQL, SAS, Oracle, MS Access…

- Experience in system UAT testing (prefer business logic or rules testing) 

4. Skills:

- Good at Excel Pivot table

- Fluent both spoken and written English.

- Strong at numerical skills, quick learner

5. Attitude:

- Responsible, self-motivated, professional

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...