Key Responsibilities
1. Credit Card Product Policy
- Own and continuously improve credit card product policies across the customer lifecycle.
- Define and optimize policies covering:
- Customer eligibility and segmentation
- Credit application and underwriting
- Credit scoring and decision rules
- Credit limits and limit assignment
- Line increase/decrease policies
- Review policy performance regularly and identify opportunities for improvement.
2. Credit Risk Management
- Monitor and manage credit risk across the credit card portfolio.
- Establish appropriate risk thresholds, approval strategies, and portfolio controls.
3. Product & Portfolio Optimization
- Develop strategies to improve customer acquisition while maintaining acceptable risk.
- Conduct portfolio segmentation and develop differentiated strategies for different customer groups.
- Provide regular portfolio performance reviews and recommendations for credit limit management and risk mitigation during customer lifecycle.
4. Cross-functional work
- Partner closely with Credit Risk to ensure alignment between product strategy and risk appetite.
- Work with Data/Analytics teams to develop actionable portfolio insights.
- Collaborate with Operations, Collections, Compliance, Legal, and IT to implement product and policy changes.
- Lead cross-functional projects from policy design through implementation and post-launch monitoring.
Key Requirements
Experience
- 02 - 05 years of relevant experience in credit cards, consumer lending, retail banking, fintech lending, or related financial services.
- Have experience of managing credit policies.
- Experience managing or optimizing a consumer credit portfolio is highly preferred.
- Experience working with credit bureau data, credit scoring, decision engines, or risk models is a strong advantage.
What We Offer
Mirae Asset Finance Viet Nam aims to build a Professional - Friendly - Effective working environment. Our strategic objective is to provide a working place with attractive package, growth opportunity, and sustainable development.
- Attractive packages with 13th salary year-end bonus and a week trip to Korea in order to recognize all your good performance and effort at MAFC.
- 15 days annual leave
- Annual health check, company events.
- Annual healthcare insurance package from senior level and above.
- Young and proactive environment; no barriers, no limitation for new idea.
- Flexible internal career opportunity.
