Unit Head of Credit Assessment Department

OBJECTIVE: To manage Credit Assessment Teams activities to perform daily checking consumer credit quality and approving loan applications, ensuring they meet the requirement of VPBFC’s rules & regulations.

KEY RESPONSIBILITIES

• Develop assessment processes & procedures accordingly
• Calculate and suggest annual headcount based on annual sale plan
• Design daily/ weekly working schedule planning to ensure employee working time is sufficient for business plan
• Manage BU daily performance to make sure all requirements are achieved effectively
• Provide on-the-job training to those employees who need immediately train as well as compose, update training materials to continuously improve performance
• Participate in the approval process for Agent/Dealer POS collaborations; coordinate with the Operational Risk Management Center to support the development of procedures and regulations regarding the assessment of risk criteria and the approval of POS/ Mobile Sales/ Kiosk
• Participate in the approval process for credit granting decision in the review of credit card limits for customers
• Participate in projects related to assessment process
• Do sampling of assessment to check employees’ quality
• Manage delinquency report of Credit Assessment Team Leaders/ Senior Team Leaders
• Manage performance report (TAT, applications, ….)
• Escalate any suspicions/concerns/issues regarding to systems, risk cases, procedures, to the Dept. Head or fraud teams for reviewing
• Formulate and review credit policies and guidelines on policy or product related proposals as submitted by relevant departments
• Provide initiatives for building and improve processes, policies or activities within the scope of Unit

• University Graduate, major: Business Administration, Banking, or Finance
• At least 03 years’ experience working Underwriting management position, preferably working in banking & finance consumer institution or relevant fields
• Has working experience with deep understanding of call center activities
• Strong analytical & risk assessment skills, Leadership skill
• Strong interpersonal skill & ability to interact with various departments
• Ability to train, coach, motivate and evaluate employee performance
• Ability to multi-task and take responsibility in challenging situations
• Proficiency in Microsoft Office, Testing system skill
• Fluent in English