Work location: Ha Noi
Salary:
Objective (1)
To build risk analysis, risk policy/projects, risk underwriting teams from the scratch covering all products, processes, data and models for FinTech start-up company. The Manager must build a data-driven risk department using all possible internal data and external data, best practice for manual underwriting and combined with models to ensure the target credit performance is met. Be accountable for risk lending projects, including underwriting process for unsecured or secured lending, limit assignment model, application, behavioral and antifraud scorecards development. Drive credit performance with data, models and best practice for underwriting.
Reporting lines (2)
Chief Risk Officer (CRO)
Key accountabilities (3)
Responsible for risk analysis, risk policy/projects, risk underwriting, risk modeling and risk reporting teams.
Manage all risk policies, underwriting process and all relevant aspects for lending process.
Identify new policy optimization opportunities and lead the underwriting analysis and proposal discussions.
Define and monitor all key risk indicators for the whole credit life cycle, from acquisition, underwriting, portfolio management till contract end.
Engage with product department in new products design and implementation from client registration, application process, underwriting process till finance profitability calculation.
Manage all underwriting changes and provide enough evidence for proposal approval and submission to decision engine team for implementation.
Engage with external providers of services such as credit bureau data, telecom data and other external data.
Capacity planning, hiring, staff development.
Actively manage performance of all subordinated teams by setting clear objectives and KPIs, coaching and managing against these.
Past experience in supporting regulatory and internal governance stakeholders.
Experiences and competencies (4)
University degree
At least 5 years’ experience as data analytics manager, risk underwriting manager, risk manager, senior risk analyst with the focus on secured/unsecured lending process and online/offline lending process.
Familiar with various external data used in banking or consumer finance sector in underwriting process.
Managerial experience. Ability to lead and motivate staff to high productivity and efficiency of team up to 20 people.
Pro-active and enthusiastic approach to providing leadership and direction to peers and subordinates.
Strong communication and interpersonal skills.
Must have excellent negotiation and problem-solving skills.
Ability to communicate fluently in English.
Presentation skills to communicate with top management and other business units.
Excellent time management and ability to work under pressure.
Organized. Ability to prioritize and to manage multiple tasks.
Self-confidence. Self-motivated and goal driven. Orientation toward results.
Benefits & Perks:
- Attractive salary and benefits
- Meal allowance
- Private health insurance financed by the company for employee and their family: cover for Vinmec and top hospitals in VN
- The preferences when using the services of the Vingroup’s member companies: Employee can benefit from Loyalty programs such as Vinpro/ Vinpro +, supermarkets Vinmart/ Vinmart +, the high-end hotels in the system of Vinpearl; medical services International Hospital Vinmec, Vinschool education system, Vincharm beauty, etc.
- Training course and certificates
- Team bonding/ company trips
- No dress code. It’s your choice to be confident and comfortable.
- Opportunities to join a diverse and inclusive team (our team proud to be a Vietnamese company with talents from Google, LinkedIn, Amazon, eBay and many other top companies in Vietnam)
- And many more..
Apply Please submit your CV to: ******@vinid.net.Thank you!!!!
VinID Recruitment Team.
VINID
