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
+ New Business campaign policy, Cross sell / Upsell and down sell campaign policy
+ Exception Policy and Underwriting
+ Down turn strategy and Management
+ Policy Conformance review
+ Define Target Market determination, Risk Segmentation strategy and building unsecured lending product programs based on agreed Risk Appetite
+ Develop and manage Underwriting standards
+ Risk Appetite Strategy and monitoring
+ Test cells and Champion Challenger strategies
- Manage credit limits
+ Risk based limits and Risk Based Pricing
+ Identification of quality growth opportunities and ensure sustained growth in Assets and topline
- Manage credit portfolio
- Managing approval activities
- Develop an early- warning system: Early Loss mitigation opportunities
- Conduct credit risk appraisal: Underwriter quality monitoring
+ Own the process of defining, testing and production release, of Champion challenger, test cell, and Model strategies within the respective decision support systems
+ Portfolio mix and shaping
+ Portfolio monitoring , loss forecasting and early warning and early loss mitigation models
+ Identification of quality growth opportunities and ensure sustained growth in Assets and topline
+ Tail Risk Management
+ Provide Strategy performance reports to determine efficacy of strategies defined within decision support systems.
+ Bureau reporting and Bureau Services
- Calculate regulatory capital requirements for credit risks
+ Risk Reward measurement
+ Loss forecasting
+ Portfolio Sale / Risk Insurance / Portfolio securitization
+ Credit Bureau Analytics
- 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 :
+ Owner of all Retail and Small BB Risk Decision support systems- Decision Engine
+ Support Strategic and BAU initiatives with respect to Risk Decision support Systems
+ Build and Manage Decision support systems for Account management and collections
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
