Senior Portfolio Risk Analytics Executive

OBJECTIVES:

- 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.

Reasons to join SFinance 

1. A professional, open working environment

- Working hours: Monday to Friday, with a 1.5-hour lunch break

- Friendly and open-minded colleagues who value individual development

- Spacious open office with all necessary equipment provided for work

2. Special attention to employees

- Competitive compensation package with regular salary adjustments. Total income can reach up to 14 months salary per year

- Lunch allowance of up to 1,200,000 VND/month

- Exclusive comprehensive healthcare insurance

- Annual health check-ups at top hospitals and full social insurance benefits according to state regulations

- Annual company trips and team-building activities

3. Focused on supporting personal development

- Guidance and mentorship from experienced and talented managers

- Opportunities to participate in major projects, leading the consumer finance market

- Support for learning, knowledge sharing, and cultural exchange activities (training, seminars, etc.)