To Say Hello!

Find next jobs

job_search_content_direct

Lending Analytics & Portfolio Management Manager

Ngân Hàng TMCP Quốc Tế Việt Nam
Updated: 28/06/2025

Employment Information

Benefits

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

Job requirement

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

Company Overview

Ngân Hàng TMCP Quốc Tế Việt Nam

www.vib.com.vn

Ngân hàng TMCP Quốc Tế Việt Nam, tên viết tắt là Ngân hàng Quốc Tế (VIB) được thành lập ngày 18 tháng 9 năm 1996, trụ sở đặt tại 16 Phan Chu Trinh, Q. Hoàn... View more

Lending Analytics & Portfolio Management Manager

Ngân Hàng TMCP Quốc Tế Việt Nam