Senior Officer, Risk Mitigation Assurance and Oversight (40000842)

Job Purpose

The job holder responsible for:
- Collect sufficient data, commenting, analyzing and evaluating to serve the independent inspection and assessment of the effectiveness of policies/systems/activities/monitoring related to debt collection according to the law. segment/category; assessment/inspection to ensure debt collection operations within the framework of risk management regulations; close the credit administration loop; develop a policy of debt cancellation
- Participate in the implementation of special debt collection operations at the request of management
- Support the inspection and examination of debt collection activities

Key Accountabilities (1)

I. General Responsibilities:
- Strictly comply with the Bank's Labor Regulations
- Perform work in accordance with policies, regulations, procedures, internal guidelines... , and service quality commitments (SLAs).
- Comply with the work arrangement and training of Techcombank, of the Division

Key Accountabilities (2)

II. Professional Responsibilities
1. Effective management of debt collection activities
- Participating in the development of debt collection targets/KPIs for the whole line, ensuring the connection between the debt collection activity index and the governance index in the credit orientation: Responsible for data processing (collection, synthesis) to serve Services for analysis and development of indicators/KPIs
- Monitoring/monitoring the efficiency of debt settlement/collection of the entire portfolio
+ Collect reports on the effectiveness of debt collection activities
+ Evaluate the implementation of the assigned targets of the debt collection units compared with the plan
- Collecting information and reports to serve the assessment, building the MIS system to ensure full service for the management, forecasting and operation of debt collection activities.
2. Manage and maintain the operation of debt collection partners
- Participating in the selection and implementation of a plan to propose a debt collection operation partner specifically for each operation method:
+ Collecting assessment information about the situation of debt collection supply market, making market judgments.
+ Collect information, analysis documents, assess the responsiveness of debt collection units/partners in accordance with TCB's regulations
+ Make a proposal to choose a partner (if any)
- Participate in the development and assignment of a specific set of indicators/KPIs and a clear measurement system for debt collection partners.
+ Responsible for data processing (collection, synthesis) to serve the analysis and construction of indicators/KPIs
+ Determine the criteria that the debt collection unit needs to ensure according to the bank's regulations
- Participating in the management and monitoring of the performance of each debt collection partner
+ Collect reports on the effectiveness of debt collection activities
+ Analyze and evaluate the implementation of assigned targets of debt recovery units compared with the plan/target; make statements about the factors affecting the results achieved.
- Connecting and supporting operators to ensure operational efficiency and/or debt collection goals from time to time.
+ Receive suggestions to request comments from the unit
+ Analyze, evaluate, give suggestions/support (if any)
+ Send consulting opinions to the proposing unit after the leadership agrees on the consulting plan

Key Accountabilities (3)

3. Participating in the implementation of THN operations according to regulations and internal processes from time to time: risk reduction strategies/other strategies according to regulations, processes
- Develop and advise on the application of assigned risk reduction strategies, ensuring compliance with the legal process, the bank's, and the current situation of customers, support approval work:
+ Collecting records, analyzing, assessing customers' goodwill and ability to repay
+ Determine the extent of Techcombank's loss in case the risk mitigation plan is implemented
+ Give independent opinions on the proposed plan and submit it to the control level for consideration
+ Monitor and supervise the implementation of the plan, detect risks that may arise and can propose change plans, report directly to management.
- Implement other debt mitigation plans according to regulations and procedures from time to time
3. Participate in independent evaluation of the effectiveness of policies/systems/operations/monitoring related to debt collection by segment/category in order to make recommendations for improvement. and effective management as required by the leadership:
- Collect documents, documents, information and reports for inspection activities from time to time
- Directly review the actual operation situation
- Finalize the status report against regulations/plans/goals, give assessment and comments on the problem, propose solutions for improvement (if any)
3. Participate in the assessment/inspection to ensure that debt collection operations are within the framework of risk management regulations and are consistent with business orientations as required by the leadership:
- Collect documents, documents, information and reports for inspection and examination activities from time to time
- Directly review the actual operation situation
- Completing the report on review, analysis and assessment of the compliance situation
4. Managing feedback interaction in debt collection activities
- Receive requests for information/data/operations/policies of debt collection agencies
- Analyze and identify problems through the reports provided by the collection agency
- Synthesize, report on analysis, send lessons learned/feedback, suggestions to relevant departments
- Proposing solutions to improve the storage and provision of information about lessons learned continuously and throughout related departments (if any)
5. Participating in formulating policies to stop debt collection operations; Implement special debt collection operations plans
- Collecting information/reporting to analyze and propose principles for selection and methods of debt termination
- Support the analysis, evaluation, propose solutions (if any)
- Participate in the implementation of the special debt collection operation plan at the request of the leadership to ensure compliance with the bank's regulations
6. Perform other tasks:
- Coordinate and assist in the management and monitoring of operational and fraud risks in debt recovery
- Support the implementation of inspection and examination of the State Bank inspection agencies, audit related to debt collection activities
7. Perform other related tasks at the request of the Head of Department/Section Director.

Key Relationships - Direct Manager

Senior Manager, Risk Mitigation

Key Relationships - Direct Reports

None

Key Relationships - Internal Stakeholders

Divisions in the bank: WB Division, S&D Division, CCA, Internal Audit…

Key Relationships - External Stakeholders

State Bank of Vietnam, relevant organizations (Audit, consultant, ...)

Success Profile - Qualification and Experiences

Work Experience
- Experience in portfolio management/data analysis related to financial/banking activities: at least 05 years
Expertise:
- Knowledge of banking operations: credit operations, debt collection
- Knowledge of legal documents related to problem debt
- Knowledge of risk management
- Priority knowledge of 2-3 years of experience as an data analyst -> Prefer Financial/Banking sector - SQL/Oracle/SAS/R/Python and relational database knowledge - Microsoft office tools, especial Excel and Power Point - - BI tool: SAS VA/Power BI/Tableau/Qlink or equivalent
Qualifications:
- University graduate or above majoring in economics/finance/banking.
- Foreign language (English): English TOEIC 700 or higher or have worked/studyed abroad/organizations in Vietnam using the required language for at least 1 year or other equivalent certificates