Senior Manager, Retail & Small Business Banking Risk Management (40001480)

Job Purpose

Retail banking & Small business banking credit risk management follows the bank's strategy, balances risks and rewards, and keeps pace with global transformation trends.

Key Accountabilities (1)

1. Research and development:
- Research, analyze, measure and quanify risks occuring from changes in legal policies, economics (macroeconomics, microeconomics, economic cycles,...), financial markert to evaluate the effects/impacts on retail credit activities;
- Research and update advanced risk management standards, techniques, models and practices;
- Research and select outsourcing partners to provide professional advice on risk management standards for TCB.

Key Accountabilities (2)

2. Professional tasks:
- Acquire credit risk data
- Develop credit policies & appetite for each segment
  + Define Target Market determination, Risk Segmentation strategy  and building unsecured lending product programs based on agreed Risk Appetite  
  + Risk Appetite Strategy and monitoring
  + Develop and manage Underwriting standards
  + Policy Conformance review
  + New Business campaign policy, Cross sell / Upsell and down sell campaign policy
  + Test cells and Champion Challenger strategies
  + Exception Policy and Underwriting
  + Down turn strategy and Management
- Manage credit limits
  + Risk based limits and Risk Based Pricing
  + Identification of quality growth opportunities and ensure sustained growth in Assets and topline
- Conduct credit risk appraisal: Underwriter quality monitoring
- Managing approval activities
- Develop an early-warning system: Early Loss mitigation opportunities
- Manage credit portfolio
  + Identification of quality growth opportunities and ensure sustained growth in Assets and topline
  + Tail Risk Management
  + Portfolio mix and shaping
  + Portfolio monitoring , loss forecasting and early warning and early loss mitigation models
  + Provide Strategy performance reports  to determine efficacy of strategies defined within decision support systems.
  + Bureau reporting and Bureau Services
  + Own the process of defining, testing and production release, of Champion challenger, test cell, and Model strategies within the respective decision support systems
- Calculate regulatory capital requirements for credit risks
  + Credit Bureau Analytics
  + Loss forecasting
  + Risk Reward measurement
  + Portfolio Sale / Risk Insurance / Portfolio securitization
- Participate Risk transfer strategy (ABS, MBS & Insurance)
- Partnership / Eco system lending management: Build CAAS ( Credit as a Service ) eco system for all lending partnership
- RB Risk transformation : 
  + Support Strategic and BAU initiatives with respect to Risk Decision support Systems
  + Owner of all Retail and Small BB Risk Decision support systems -  Decision Engine
  + Build and Manage Decision support systems for Account management and collections

Key Accountabilities (3)

Key Relationships - Direct Manager

Director, Retail & Small Business Banking Risk Management

Key Relationships - Direct Reports

Manager, Senior Expert/ Expert, Senior Officer/Officer

Key Relationships - Internal Stakeholders

Units in the bank (RB, CA, ...)

Key Relationships - External Stakeholders

TCB AMC, TCB Jupiter

Success Profile - Qualification and Experiences

- Degree/Occupation: University graduate or above majoring in economics/finance/banking/statistics
- Minimum 5 years experience in risk management; 02 years of management experience in banking 
- Minimum TOEIC 650 or equivalent
- Have in- depth knowledge about risk and risk management
- Understand laws and regulations 
- Understand the strategy, vision, core values, policies, general regulations, organizational structure of the bank
- Remember and understand Techcombank's credit products to customers
- Other professional knowledge:
+ Have basic knowledge of data analysis and make decisions based on data results
+ Having basic knowledge about the method of building risk management models and applying the model to develop policies
+ Have background knowledge on appraisal/approval for retail customer