Senior Officer, Retail & Small Business Banking Risk Policy and Strategy (40001491)

Job Purpose

'Analyze, evaluate, control retail credit risk and consumer finance for the purpose of developing safety retail & small BB credit risk portfolio 

Key Accountabilities (1)

'1. Professional tasks:
- Perform these followings: 
  + Develop Risk Appetite Strategy and monitoring
  + Develop Underwriting standards
  + Policy Conformance review
  + Develop New Business campaign policy , Cross sell / Upsell and down sell campaign policy
  + Develop Test cells and Champion Challenger strategies
  + Develop Exception Policy and Underwriting
  + Develop Down turn strategy and Management
- Participate in design/develop products/business program with Retail Business Group

Key Accountabilities (2)

2. Other functions:
- Support operation unit, business unit to clarify inquiries about credit orientation, policy deployment/credit granting condition and appaisal method, etc.

Key Accountabilities (3)

3. Other responsibilities 
- Perform work in accordance with policies, regulations, processes, guidelines, ... and commitment to service quality (SLAs).
- Develop yourself to perform well in your roles and responsibilities and adapt to work-related changes.
- Identify and manage risks of the unit in the process of operation (operational risks), report back to the leadership for solutions to minimize risks.
- Close cooperation with related positions, towards the common goal of the unit and the bank.
- Strictly manage results according to assigned KPIs KPI
- Strictly comply with the Bank's Labor Regulations
- Perform other related tasks at the request of direct managers and upper management.

Key Relationships - Direct Manager

Senior Manager/Manager, Retail & Small Business Banking Credit Risk Policy and Strategy

Key Relationships - Direct Reports

No

Key Relationships - Internal Stakeholders

Units in the bank (RBG, 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
- 03 years experience in risk management
- Foreign language (English): Minimum TOEIC 650 or equivalent. Candidates who have trained or worked for foreign companies/organizations will be preferred
Overview knowlege about risk management: 
- Have in- depth knowledge about risk and risk management
- Understand laws and regulations 
- Have knowledge about vietnamese and international standards in risk management
- 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