Advisor, Retail & Small Business Banking Credit Risk Management

1. Job Purpose

- The job holder organize, manage and administer the activities of Unsecured lending Risk Management for Small Business and Retail banking

- The job holder develop quality human resources for credit policy work, analysis and early warning, credit appraisal for corporate customer segment..

- The job holder advise the Board of Management and functional departments in the development of policies, products, early warning tools, credit risk identification for the corporate customer segment, and at the same time proposing measures to control/limit the detected risks for corporate customers.

Key Accountabilities

1. Organization of the operating apparatus

- Identify risks of the unit during operation, coordinate with related units to come up with methods of measuring and minimizing risks.

- Preside over building the working relationship between departments/units in the system and the Small Business and Retail banking Risk management to ensure work efficiency and control risks.

2. Management and professional development of the Unsecured lending risk for Retail and Small Business Banking segment as function

- Acquire Secured lending risk data

- Develop credit policies & appetite for Secured lending - Retail and small business banking segment

- Manage credit limits, Risk based limits and Risk Based Pricing and Credit Line Management

- Conduct credit risk appraisal and Underwriter quality monitoring

- Manage approval activities

- Manage credit portfolio Secured lending

- early-warning system and Early Loss mitigation

- Support to Calculate regulatory capital requirements for credit risks

- other support activities: Risk transfer strategy (ABS, MBS & Insurance), Partnership / Eco system lending management , Build CAAS ( Credit as a Service ) eco system for all lending partnership

- RB & Small BB Risk transformation

Success Profile - Qualification and Experiences

-Minimum 12 years of experience in Risk management for Retail segment in banking-finance industry

-In-depth knowledge of risk management for unsecured lending, including: credit products, credit granting policies, understanding and building data sources/developing risk models, early warning...

-Ability to apply technology in the field of risk management of Unsecured lending

-Open, creative mindset, have ability to learn from the experiences of international organizations or fintech companies to apply in practical operations at Techcombank

-English: TOEIC 700 or equivalent