Senior Expert, Risk Policy and Governance (40000860)

Job Purpose

- The job holder propose, advise and develop reasonable credit policies, ensure credit risk management and support the bank's business operations.
- The job holder support and control the implementation of credit policies and detect and propose to overcome credit risk problems of the system.

Key Accountabilities (1)

Develop bank risk strategy, risk appetite and risk limit;
Develop risk management framework/ policies and procedures including high-level credit policies and regulations issued by the Board of Directors / ARCO: ensuring the operation of the ERC committee (under the Executive Board) and the ARCO committee (under the Board of Directors) in compliance with the law and towards effective operation in accordance with international standards;
Identify and implement enterprise risk management tools;
Coordinating the sharing of knowledge about risk management in the organization;
Lead of risk reporting inclduing CEO/BOD/ARCO reports

Key Accountabilities (2)

Review and comment on documents of the State Bank of Vietnam
- Assess the impact of the SBV's documents on the operation of the risk management division, propose solutions to be implemented in the Division to ensure compliance with the SBV's documents
- Comment on documents of the State Bank to ensure that it is suitable with the operation situation of the bank
Control the implementation of the policy
- Control documents, procedures, instructions, products to ensure compliance with the general credit policy
- Coordinate with the Department to ensure the implementation of risk management regulations in the audit and inspection of the SBV
- Propose and monitoring remedial measures according to the conclusions of the SBV audit and inspector
- Review the actual application and implementation of credit policies
Consult on building and developing the risk management policy framework of the system, including the high-level policies and regulations issued by the Board of Directors/ARCO with the scope of adjustment of the whole system:
- Risk management policy
- Whole-row risk appetite framework
- Regulatory system for credit operations
- Regulations on customer credit rating
- Regulations on debt management
- Other credit policies

Key Accountabilities (3)

Develop and participate in training programs to strengthen system capacity when required
Guide and answer credit policy for related parties
Propose and consult the Division Director on solutions to perform the functions and tasks of the department
- Implement and ensure implementation of risk management regulations
- Administration and operation of the approval system
- Basel
Other responsibilities:
- Other duties as assigned by the Division Manager

Success Profile - Qualification and Experiences

- Graduated from university or higher
- Professional experience: at least 12 years of experience in the field of finance and banking
- Understand the organization, core values, goals and strategies of TCB
- Understand the credit/risk management system of TCB, the law and the SBV
- Understand knowledge and practical experience in banking at least TOEIC 650 (Band 7) or equivalent