Retail & small BB banking credit risk management policies and strategies focus on customer centrix, ensuring the sustainable development of retail banking credit portfolio in accordance with advanced standards and practices.
Key Accountabilities (1)
Research and development:
- Research and select outsourcing partners to provide professional advice on risk management standards for TCB.
- 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;
- Communicate and perform training to ensure that units can understand clearly and xxx
- Research and update advanced risk management standards, techniques, models and practices;
Key Accountabilities (2)
Professional tasks:
- Own the process of defining, testing and production release , of Champion challenger , test cell , and Model strategies within the respective decision support systems
- Design, build and systematize the retail credit risk policies reasonably to meet business needs, long- term plans and new market trends, as well as in line with risk management framework;
- Risk transfer strategy (ABS, MBS & Insurance)
- Line Of Business risk management: Credit Line Management
- Develop and customize base solutions: risk management methods/ models/ rule base/ advanced practices;
- Implementation of retail risk management:
+ Exception Policy and Underwriting
+ Down turn strategy and Management
+ Define Target Market determination, Risk Segmentation strategy and building unsecured lending product programs based on agreed Risk Appetite
+ New Business campaign policy , Cross sell / Upsell and down sell campaign policy
+ Policy Conformance review
+ Test cells and Champion Challenger strategies
+ Risk Appetite Strategy and monitoring
+ Creator & Owner of Underwriting standards
- Receive/contribute comments to develop/adjust general policies of units related to retail & small BB credit.
Key Accountabilities (3)
Human resource management and development:
&039;- Participate in strategic projects, inter- Division projects and projects of the Risk Management Division with the objective of (i) identify risks of the unit during operation, (ii) coordinate with related units to provide solutions in measuring and mitigating risks, ensuring compliance with the bank&039;s policies and development realities in each period.
- Manage human resource, develop and enhance staff&039;s professional competenciés
- As a coordinator to allocate job, control job&039;s quality and guide team member,...
- Perform other related tasks at the request of the Director and/or the Senior Manager
Key Relationships- Direct Manager
Senior Manager, Retail & Small Business Banking Credit Risk Management
Key Relationships- Direct Reports
Expert, Teamlead, Senior Officer and Officer
Key Relationships- Internal Stakeholders
Units in the bank (CSA, RB, CA, ...)
Key Relationships- External Stakeholders
TCB AMC, TCB Jupiter
