Job Purpose
Retail & small BB banking credit risk management policies and strategies focus on customer centrix, ensuring thesustainable development of retail banking credit portfolio in accordance with advanced standards and practices.
Key Accountabilities
Research and development:
- Communicate and perform training to ensure that units can understand clearly and xxx
- Research and update advanced risk management standards, techniques, models and practices;
- Research, analyze, measure and quanify risks occuring from changes in legal policies, economics(macroeconomics, microeconomics, economic cycles,...), financial markert to evaluate the effects/impacts on retail& small BB credit activities;
- Research and select outsourcing partners to provide professional advice on risk management standards for TCB.
Professional tasks:
- Design, build and systematize the retail credit risk policies reasonably to meet business needs, long- term plansand new market trends, as well as in line with risk management framework;
- Line Of Business risk management: Credit Line Management
- Own the process of defining, testing and production release , of Champion challenger , test cell , and Modelstrategies within the respective decision support systems
- Risk transfer strategy (ABS, MBS & Insurance)
- Develop and customize base solutions: risk management methods/ models/ rule base/ advanced practices;
- Implementation of retail risk management:
+ New Business campaign policy , Cross sell / Upsell and down sell campaign policy
+ Define Target Market determination, Risk Segmentation strategy and building unsecured lending productprograms based on agreed Risk Appetite
+ Creator & Owner of Underwriting standards
+ Policy Conformance review
+ Test cells and Champion Challenger strategies
+ Down turn strategy and Management
+ Risk Appetite Strategy and monitoring
+ Exception Policy and Underwriting
- Receive/contribute comments to develop/adjust general policies of units related to retail & small BB credit.
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&039;s policies and development realities in eachperiod.
- Manage human resource, develop and enhance staff&039;s professional competenciés
- Perform other related tasks at the request of the Director and/or the Senior Manager
- As a coordinator to allocate job, control job&039;s quality and guide team member,...
