Job Purpose

Accountable for advising the Head/Director of Retail & Small Business Banking Credit Risk Management to ensure sustainable growth of the segment in alignment with the Bank's strategic and risk appetite

Key Accountabilities (1)

Develop and manage the credit risk management foundation tailored to Retail and SME segments, aligned with the Bank's strategy, business direction, and risk appetite:
Define target markets, risk approaches for each segment, and identify growth opportunities to ensure sustainable asset and revenue growth.
Advise, propose, and co-develop credit risk management policies for Retail and SME customers across the entire credit lifecycle.
Advise and contribute to the development of annual Credit orientation aligned with business plans, market dynamics, and emerging risks; design portfolio management indicators and structural risk metrics.
Lead the roadmap for developing credit risk models, financial forecasting tools, early warning systems, and collection frameworks; explore opportunities to access, enrich, and utilize data for developing models and customer risk identification.
Lead the design of credit processes including underwriting, approval, early warning, and monitoring—integrated with the customer journey and frontline/backline operations.
Advise and lead the development of operating models for underwriting, approval, and debt recovery for Retail and SME segments.
Plan and develop the technology infrastructure to support credit risk management for Retail and SME segments, aligned with the Bank's digital transformation goals and annual strategic priorities.
Design risk management solutions for lending programs/products/OFRs for Retail and SME customers based on market insights, data analytics, and digitized credit journeys:
Conduct thematic analyses on target customer groups to assess opportunities and risks.
Design customer assessment criteria and methodologies using rule-based approaches and predictive/rating models.
Develop and apply credit limit calculation methods, underwriting and approval processes, and frontline assessment guidelines aligned with specific customer journeys.
Design and implement early warning criteria and credit monitoring processes.
Evaluate and define system requirements to support automation and digital credit journeys.
Assess risks, measure risk cost, and define acceptable thresholds and risk indicators for each lending program or business solution.

Key Accountabilities (2)

Advise and lead the development of the annual planning (AP) for credit risk cost of Retail and SME segments, aligned with the Bank's overall business plan:
Research and monitor market context and economic trends to identify changes and coordinate with Business Units in setting annual portfolio direction.
Apply forecasting models and rule-based criteria across portfolio segments to forecast portfolio quality.
Assess risks, estimate credit risk costs, and plan credit loss provisions.
Define risk thresholds and key indicators to monitor in order to achieve target plans.
Advise and implement portfolio management and early warning activities, tailored by customer segment and lending solution:
Monitor and forecast portfolio movements against annual targets and strategic direction.
Identify emerging risk trends compared to internal standards, market practices, and external developments.
Apply early warning tools to detect anomalies or suspicious signals, especially in market-sensitive portfolios.
Recommend actions and provide feedback on portfolio quality to relevant stakeholders for timely intervention.
Organize deep-dive and thematic risk analytics:
Analyze credit risk data across multiple dimensions to identify high-risk areas by customer segment and across the credit lifecycle.
Evaluate the effectiveness of risk management solutions and credit decision strategies through test cell, champion & challenger programs.
Analyze root causes of NPLs/losses and propose mitigation actions or portfolio optimization strategies (including identifying high-risk customer profiles, business programs, or pilot initiatives).

Key Accountabilities (3)

Execute credit underwriting and approval activities.
Monitor debt recovery performance in alignment with the Bank's operating model and strategic collections approach.
Contribute to Strategic initiatives, BAU initiatives, Breakthrough Business Program across Techcombank and ecosystem.
Perform other related tasks as assigned by the CRO, Head, Director.

Success Profile - Qualification and Experiences

Experience
Minimum 15 years of experience in finance/banking or related industries.
At least 3 years of experience in risk management or relevant fields.

Professional Knowledge

In-depth knowledge of credit operations and credit risk management frameworks.
Strong understanding of the financial and banking markets, and awareness of economic trends impacting the industry.
Qualifications
Bachelor's degree or higher in Economics, Finance, Banking, or related fields.
CFA or FRM certification is a strong advantage.
English proficiency: Minimum TOEIC 700 or equivalent.

Advisor, Retail & Small Business Banking Credit Risk Management