Khối Quản lý rủi ro, Hội sở - CVCC/Chuyên gia QLRR tín dụng cá nhân (chính sách tín dụng KHCN)

• Role Purpose: - Lead the development, enhancement, and governance of credit risk policies for retail products (mortgage, project home, unsecured lending, credit cards, etc.), ensuring a balanced approach between risk control and portfolio growth objectives. - Translate risk strategy into clear, actionable credit policies that can be effectively implemented and monitored. - This role is expected to actively challenge existing practices and contribute to building a stronger risk framework.

Key Responsibilities

• 1. Policy Development & Governance - Develop, review, and update credit risk policies across retail products - Define underwriting standards, approval criteria, and delegation of authority - Ensure policies are clearly documented, practical, and consistently implemented - Conduct periodic policy reviews based on portfolio performance and market changes
• 2. Risk Strategy Translation - Translate risk appetite and portfolio strategy into policy rules and cut-offs - Work with Risk Analytics to embed scorecards, segmentation, and risk-based approaches into policies - Ensure policies support sustainable growth while maintaining asset quality
• 3. Portfolio Monitoring & Policy Optimization - Monitor portfolio performance (approval rates, early delinquency, vintage curves, etc.) - Identify gaps and propose policy adjustments (cut-offs, rules, exceptions) - Conduct impact analysis to assess effectiveness of policy changes
• 4. Stakeholder Management - Collaborate closely with Business, Risk Analytics, Product, and Collections teams - Provide risk perspective on business initiatives and product proposals - Present policy changes and recommendations in a clear and structured manner
• 5. Regulatory Compliance - Ensure compliance with SBV regulations and internal risk frameworks - Support audit and regulatory review processes
• 6. Process & Control - Maintain strong policy governance (documentation, version control, approval workflow) - Ensure consistent policy implementation across channels and systems

• Experience: - Minimum 3+ years in credit risk or credit products, preferably within retail lending - Experience in credit policy, underwriting, or risk strategy - Exposure to retail products such as personal loans, credit cards, or mortgages
• Technical Skills: - Good understanding of retail credit lifecycle (origination → monitoring → collections) - Familiarity with scorecards, segmentation, and portfolio performance metrics - Ability to interpret data and translate insights into policy rules - Understanding of SBV regulations and retail credit frameworks
• Soft Skills: - Strong analytical thinking and judgment - Ability to balance risk and business objectives - Willingness to challenge constructively and work cross-functionally - Clear communication and structured problem-solving - Proactive and ownership mindset