RESPONSIBILITIES:
Scope: end- to- end risk management for retail mortgage loans, secured business loans, car loans, cash loans, credit cards, overdrafts, BNPLs, consumer and household business lending acquired through the (a) digital channels, (b) third parties sourcing, and (c) 230+ branches and sales hubs.
Products: participate in product development lifecycle, optimize risk/return for products, spot market opportunities, sharpen customers&039; targeting, control time- to- market.
Portfolio management: supervise and timely apply changes to credit portfolios, perform stress testing, set effective early risk triggers, oversee all factors that impact portfolio quality such as changes in customers&039; profiles, sales channels, motivation schemes, debt collection and recoveries.
Innovations: lead implementation of ANI & GenAI,
Content: develop comprehensive collection procedures, policies and documents needed.
Alternative data: customers&039; profiling using social networks, digital footprint, mobile operators, gamification, app usage.
Analytics: work with applicational, behavioral, propensity and other types of scorecards, clastering portfolios, apply advanced analytical tools to spot customers&039; segments drifts, build forward looking forecasts.
Underwriting: supervise and modify retail underwriting strategies, run champion- challenges, provide from- the- field feedback to improve strategies, balance time- to- approve and approval rates, applicational & transactional fraud detection.
Partnership: serve as a collection business partner to various departments such as Retail Business, Collections, Finance, HR, IT, BI, Operations, Legal & Compliance, Fraud Prevention.
Compliance: lead Advanced IRB, calibrate PD/EAD/LGD, ensure proper loan loss coverage via IFRS9 and local accounting standards.
IT: consulting on IT architecture for mass lending, credit decision making IT platforms, Open API.
Team building: build, drive, and develop the teams according to the highest industry standards.
Efficiency: develop and constantly improve life time cost of credits, cost- of- risk vs return, single account profitability modelling, assets pricing, and collateralization.
REQUIREMENTS:
Experience in working with IT platforms that enable retail business: LOS, Decision Engines,
Minimum 5 years of management experience in retail risk management in banks or financial companies.
Application of AI/ANI, Open API, tokenization.
Excellent people management, mentoring and leadership skills.
Strong business partnering skills.
High level of responsibility.
Bachelor Degree (prefer Master degree) in Business, Statistics, Economics, Mathematics, Engineering or similar.
Leading teams of over 35+ FTEs.
Outstanding written, verbal, and presentation skills.
Fluent English; Vietnamese language is an advantage.
