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.
