Benefits

Insurance
Travel
Incentive bonus
Healthcare
Training Scheme
Salary review

Job Description

To develop, monitor, adjust credit risk management policies for credit card and consumer lending products for XSTU & LG segment in order to comply with business strategies, credit activities and socio-economic situation
To develop, monitor, adjust application processing and credit underwriting process for each credit card and consumer lending products for XSTU & LG segment in accordance with the nature and risk appetite for each products
To develop, monitor, adjust calculation logic of offered loan amount or credit card limit for XSTU & LG segment based on customer’s repayment capacity and VPB SMBC FC’s risk appetite
To initiate the change requests for credit policy rules and calculation logic in Decision Engine system and for processes in LOS system, to enhance credit quality and mitigate credit risk for XSTU & LG segment
To develop, monitor, adjust Underwriting manuals to support underwriter for complying with Decision Engine system’s requirements and collect, verify necessary information XSTU & LG segment
To coordinate with Credit Assessment & Early Credit Recovery Center to internally train for underwriter about regulations, manuals of underwriting and changes in underwriting requirement
Coordinate with other units both internal and external to Risk Management Division to orientate the credit policies and underwriting mechanism, instructing on credit risk management policies of XSTU & LG segment
To compose documents related to credit risk management policies for credit granting activities to comply with regulations of Law and based on directives of competent authorities
Consult and review on risk mitigation perspective for products/ product programs or any documentation related to credit granting to XSTU & LG segment

Job Requirement

University Graduate, major: Banking, Finance or relating area
At least 05 years’ experience working in Credit Risk Management/Credit Risk Policy/ Credit Underwriting/ Credit Quality Control
Have experience to manage team with team size from 5 or more people is a plus
Understanding of banking risk policies & procedures
Solid knowledge in credit risk and risk management
Knowledge and experience in LOS and DE systems
Ability to make decision on his/her own within scope of the Unit
Business process writing skills
Group facilitation and relationship building skills
Leadership and solving problem skill
Fluent in English