Work location: Ho Chi Minh
Salary:
Industry: Finance / Investment , Banking
Deadline to apply:
Level: Team Leader / Supervisor
Role Objective: To manage and optimize the retail lending portfolio (mortgage, auto, business loans) through data-driven credit analysis, customer behavior insights, product performance monitoring, and providing strategic recommendations to improve pricing, risk, and distribution effectiveness.
Key Responsibilities:
1. Portfolio Management & Financial Performance
Monitor and analyze NIM, ROE, CIR, conversion rates, and delinquency trends by product line
Recommend improvements to product pricing, features, and conditions based on real-time portfolio data
Assess the potential impact of new policy or product initiatives on existing and future portfolio health
2. Customer Segmentation & Behavioral Analysis
Segment customers by credit profile, borrowing needs, payment behavior, and price sensitivity
Build Customer Lifetime Value (CLTV) models and re-loan behavior forecasts
Provide ongoing data insights to Product and Go-to-Market teams to enhance product relevance
3. Portfolio Risk Monitoring & Early Warning
Develop and maintain Early Warning Systems (EWS) to identify at-risk segments or behaviors
Collaborate with the Risk team to assess portfolio quality by region, channel, and product
Analyze root causes of loan dropouts, delinquencies, and recommend corrective actions
4. Reporting & Dashboard Management
Develop and maintain real-time dashboards on portfolio performance
Collaborate with Data Engineering to ensure input data integrity and accuracy
Present analytical findings and strategic insights to senior leadership on a regular basis
5. Strategic Pricing Analysis
Build risk-based pricing models tailored to segment, region, and credit profile
Support Product Development in designing dynamic pricing frameworks
Evaluate campaign performance from a profitability and sustainability perspective
Ngân Hàng TMCP Quốc Tế Việt Nam
www.vib.com.vn