Chief Risk Officer (TCL)

Job Purpose

TCGI is a newly established insurtech-driven general insurance company, backed by the Techcombank ecosystem, with a strong ambition to become a market-leading, innovation-led insurer in Vietnam.

We are seeking a Chief Risk Officer (CRO) to join the founding leadership team and build a best-in-class, forward-looking risk management function from the ground up, enabling scalable, technology-driven and profitable growth.This is a high-impact, build-from-scratch role, requiring a leader who can balance strong risk discipline with business growth in a dynamic environment.

Enterprise Risk Strategy & Governance

• Develop and implement the Enterprise Risk Management (ERM) framework across all functions
• Define and manage the company’s risk appetite aligned with business strategy
• Establish robust risk governance, policies, and control frameworks
• Provide independent risk advisory to the CEO, Board of Directors, and Risk Committees
• Ensure compliance with regulatory requirements, including solvency and reporting standards

Insurance Risk Oversight & Business Risk Management

• Oversee core insurance risks, including:

- Underwriting governance (risk selection, pricing adequacy, authority limits)
- Portfolio performance (loss ratio, combined ratio, concentration risk)
- Claims management (fraud prevention, claims leakage control)

• Monitor operational and distribution risks across all channels (agency, broker, bancassurance)
• Ensure balanced decision-making between growth, profitability, and risk discipline

Risk Function Build & Transformation

• Build the Risk function from inception, including operating model, structure, and talent strategy
• Establish risk systems, data infrastructure, and reporting capabilities
• Lead risk-related activities in licensing and regulatory engagement
• Drive risk culture and embed risk awareness across the organization
• Develop high-performing teams and future leadership pipeline

Success Profile - Qualification and Experiences

• Minimum 15+ years of experience in general insurance or financial services
• Strong expertise in underwriting, claims, and reinsurance
• Proven track record in building or transforming risk management functions
• Experience working with regulators and solvency frameworks