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Nơi làm việc: Hồ Chí Minh
Mức lương:
Ngành nghề: Tài chính / Đầu tư , Ngân hàng
Hạn chót nộp hồ sơ:
Cấp bậc: Trưởng nhóm / Giám sát
Kinh nghiệm:
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
1. Education & Experience
Bachelor‘s degree or higher in Finance, Economics, Data Analytics, Quantitative Economics, or related fields
At least 5 years of experience in credit portfolio management, financial analytics, or lending BI
Preferably experienced in digital banking, fintech, or managing portfolios worth over USD 1 billion
2. Technical Skills
Proficiency in BI tools such as Power BI, Tableau, SQL, or Python for large-scale data analysis
Strong business acumen with a solid grasp of financial modeling
Deep understanding of key lending KPIs: NIM, ROE, PD/LGD, CIR, LTV
Bonus: Familiarity with behavioral analytics and dynamic pricing models
3. Soft Skills
Excellent data storytelling and presentation skills
Strong cross-functional collaboration (Product, Risk, Sales, IT)
Proactive, structured thinker with an action-oriented mindset
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Ngân Hàng TMCP Quốc Tế Việt Nam
www.vib.com.vn
