Portfolio Risk Analytics & Reporting Executive

• Analyze & Optimize: Evaluate portfolio performance data to recommend strategies that maximize returns and mitigate risks.
• Enhance Operations: Streamline reporting and analytics processes to improve operational efficiency and support executive decision-making.
• Cross-functional Collaboration: Unify data flows across departments to ensure absolute consistency and compliance across all management reporting and operational systems.

RESPONSIBILITIES:

1. Portfolio Management & Analytics

• Performance Tracking: Develop, monitor, and maintain daily, weekly, and monthly credit portfolio performance reports, conducting regular variance analysis.
• Credit Quality Analysis: Perform in-depth analysis of loan portfolio quality (Vintage, Roll-rate, NPL, NCL) to assess risk trends and validate the effectiveness of current credit policies.
• Early Risk Warning: Provide forecasts and assessments of potential risks within the portfolio, proposing timely risk mitigation measures and strategy simulations to support business decisions.

2. System Operations & Data Governance

• Data Quality Control: Review and resolve anomalies and system errors related to Customer Information Files (CIF) to ensure data accuracy and consistency across all reporting systems.
• System Optimization: Participate in designing, automating, and optimizing data extraction structures from the Data Mart to support Executive Management and reduce query/operational costs.
• Periodic Operational Execution: Coordinate closely with IT, System Development, and Collection departments to execute regular business processes (e.g., data reconciliation, monthly write-off execution) and ensure seamless, accurate data uploads to the Loan Management System (LMS).

REQUIREMENTS:

1. Education & Experience

• Bachelor's degree or higher in Auditing, Accounting, Finance, Banking, Risk Management, Data Analytics, or related quantitative disciplines.
• Minimum 3 years of experience in credit policy, portfolio management, asset classification, or risk compliance within consumer finance companies, retail banks

2. Technical Skills (Data & Systems)

• Database Querying (Mandatory): Strong, hands-on proficiency in SQL to independently extract, manipulate, and analyze large, complex datasets from the Data Mart
• Data Tools: Advanced proficiency in MS Excel (ability to process large financial datasets, handle complex pivot tables, and use advanced financial formulas for auditing).
• Technical Plus: Familiarity with modern OLAP database systems such as StarRocks and relational database management systems like MySQL is a distinct advantage.

3. Knowledge & Competencies

• Audit Background: Strong auditing mindset with hands-on experience in regulatory environments and audit processes.

4. Professional Skills

• Communication: Strong professional writing skills in both Vietnamese and English for drafting official correspondence, regulatory responses, and formal meeting minutes.
• Soft Skills: Highly resilient, detail-oriented, with strong problem-solving skills. Proven ability to collaborate across teams and deliver accurate execution under tight regulatory deadlines.