Credit Policy and Portfolio Manager - Retail Risk - Hồ Chí Minh

Job Description

1. JOB PURPOSE: To develop and maintain strong structured retail risk management methodology that covers all processes of credit initiation and portfolio management from top policy level to operation manuals and supports achieving both risk and business targets.

2. MAJOR ACTIVITIES:

- Develop, implement, and monitor credit policies and manuals for underwriting processes for both secured and unsecured products

- Ensure compliance of underwriting manual with Bank’s internal and regulatory standards

- Participate in new retail product development, campaigns and product revisions. Discuss product initiatives in constructive way to find compromise between risk control and business growth.

- Working in close cooperation with analytical team to monitor portfolio quality and analyze credit performance and operational performance to identify problem and potential improvements, propose and take corrective actions.

- Collaborate with risk strategy management team to ensure Straight through Processes, mitigate operational risk and reduce cost. Initiate and control changes in IT systems accordingly.

- Prepare risk related presentations and materials for high level committees and working groups.

3. BENEFITS AND ALLOWANCES:
- Attractive and competitive salary in banking and financial services: Negotiable salary in accordance with capacity; 13th month salary + Year-end bonus.

- Regulations on allowances: Social insurance, health insurance, unemployment insurance according to regulations, annual health check,…

- VPBank Care health insurance (accident insurance 24/7, BaoViet health insurance, whole body insurance)

- 14 -16 days of annual leave; Holidays/ New Year according to regulations

- Employees of VPBank Account Account, free goods and services

- Dynamic working environment, promotion opportunities, skills training courses, professional expertise, specialized knowledge.