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Work location: Ha Noi
Salary:
Industry: Finance / Investment , Sales / Business Development , Banking
Deadline to apply:
Level: Manager
Experience:
Retail banking & Small business banking credit risk management follows the bank's strategy, balances risks and rewards, and keeps pace with global transformation trends.
Key Accountabilities (1)
Research and development:
- 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 update advanced risk management standards, techniques, models and practices;
- 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
+ Define Target Market determination, Risk Segmentation strategy and building unsecured lending product programs based on agreed Risk Appetite
+ Risk Appetite Strategy and monitoring
+ Develop and manage Underwriting standards
+ Policy Conformance review
+ New Business campaign policy, Cross sell / Upsell and down sell campaign policy
+ Test cells and Champion Challenger strategies
+ Exception Policy and Underwriting
+ Down turn strategy and Management
- Manage credit limits
+ Risk based limits and Risk Based Pricing
+ Identification of quality growth opportunities and ensure sustained growth in Assets and topline
- Conduct credit risk appraisal: Underwriter quality monitoring
- Managing approval activities
- Develop an early-warning system: Early Loss mitigation opportunities
- Manage credit portfolio
+ Identification of quality growth opportunities and ensure sustained growth in Assets and topline
+ Tail Risk Management
+ Portfolio mix and shaping
+ Portfolio monitoring , loss forecasting and early warning and early loss mitigation models
+ Provide Strategy performance reports to determine efficacy of strategies defined within decision support systems.
+ Bureau reporting and Bureau Services
+ Own the process of defining, testing and production release, of Champion challenger, test cell, and Model strategies within the respective decision support systems
- Calculate regulatory capital requirements for credit risks
+ Credit Bureau Analytics
+ Loss forecasting
+ Risk Reward measurement
+ Portfolio Sale / Risk Insurance / Portfolio securitization
- Participate Risk transfer strategy (ABS, MBS & Insurance)
- Partnership / Eco system lending management: Build CAAS ( Credit as a Service ) eco system for all lending partnership
- RB Risk transformation :
+ Support Strategic and BAU initiatives with respect to Risk Decision support Systems
+ Owner of all Retail and Small BB Risk Decision support systems - Decision Engine
+ 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
- Degree/Occupation: University graduate or above majoring in economics/finance/banking/statistics
- Minimum 5 years experience in risk management; 02 years of management experience in banking
- Minimum TOEIC 650 or equivalent
- Have in- depth knowledge about risk and risk management
- Understand laws and regulations
- Understand the strategy, vision, core values, policies, general regulations, organizational structure of the bank
- Remember and understand Techcombank's credit products to customers
- Other professional knowledge:
+ Have basic knowledge of data analysis and make decisions based on data results
+ Having basic knowledge about the method of building risk management models and applying the model to develop policies
+ Have background knowledge on appraisal/approval for retail customer
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NGÂN HÀNG TMCP KỸ THƯƠNG VIỆT NAM (TECHCOMBANK)
https://techcombank.com/ Number of employees: 10.000-19.999
