Senior Manager, Retail & Small Business Banking Risk Management

Retail banking & Small business banking credit risk management follows the bank&039;s strategy, balances risks and rewards, and keeps pace with global transformation trends.
Key Accountabilities (1)
Research and development:
- 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 credit activities;
- Research and select outsourcing partners to provide professional advice on risk management standards for TCB.
Key Accountabilities (2)
Professional tasks:
- Acquire credit risk data
- Develop credit policies & appetite for each segment
+ Risk Appetite Strategy and monitoring
+ New Business campaign policy, Cross sell / Upsell and down sell campaign policy
+ Exception Policy and Underwriting
+ Policy Conformance review
+ Define Target Market determination, Risk Segmentation strategy and building unsecured lending product programs based on agreed Risk Appetite
+ Test cells and Champion Challenger strategies
+ Develop and manage Underwriting standards
+ Down turn strategy and Management
- Manage credit limits
+ Risk based limits and Risk Based Pricing
+ Identification of quality growth opportunities and ensure sustained growth in Assets and topline
- Conduct credit risk appraisal: Underwriter quality monitoring
- Develop an early- warning system: Early Loss mitigation opportunities
- Managing approval activities
- Manage credit portfolio
+ Bureau reporting and Bureau Services
+ Identification of quality growth opportunities and ensure sustained growth in Assets and topline
+ Portfolio mix and shaping
+ Provide Strategy performance reports to determine efficacy of strategies defined within decision support systems.
+ Portfolio monitoring , loss forecasting and early warning and early loss mitigation models
+ Own the process of defining, testing and production release, of Champion challenger, test cell, and Model strategies within the respective decision support systems
+ Tail Risk Management
- Calculate regulatory capital requirements for credit risks
+ Loss forecasting
+ Risk Reward measurement
+ Credit Bureau Analytics
+ Portfolio Sale / Risk Insurance / Portfolio securitization
- Partnership / Eco system lending management: Build CAAS ( Credit as a Service ) eco system for all lending partnership
- Participate Risk transfer strategy (ABS, MBS & Insurance)
- RB Risk transformation :
+ Build and Manage Decision support systems for Account management and collections
+ Support Strategic and BAU initiatives with respect to Risk Decision support Systems
+ Owner of all Retail and Small BB Risk Decision support systems- Decision Engine
Key Accountabilities (3)
Key
Relationships
Direct
Manager
Director, Retail & Small Business Banking Risk Management
Key
Relationships
Direct
Reports
Manager, Senior Expert/ Expert, Senior Officer/Officer
Key Relationships- Internal Stakeholders
Units in the bank (RB, CA, ...)
Key Relationships- External Stakeholders
TCB AMC, TCB Jupiter

- Understand the strategy, vision, core values, policies, general regulations, organizational structure of the bank
- Minimum TOEIC 650 or equivalent
- Understand laws and regulations
- Have in- depth knowledge about risk and risk management
- Remember and understand Techcombank&039;s credit products to customers
- Degree/Occupation: University graduate or above majoring in economics/finance/banking/statistics
- Minimum 5 years experience in risk management; 02 years of management experience in banking
- Other professional knowledge:
+ Have background knowledge on appraisal/approval for retail customer
+ Having basic knowledge about the method of building risk management models and applying the model to develop policies
+ Have basic knowledge of data analysis and make decisions based on data results

Chế độ bảo hiểm, Du Lịch, Chế độ thưởng, Chăm sóc sức khỏe, Đào tạo, Tăng lương

Cập nhật gần nhất lúc: 2026-01-22 14:25:02