Job Summary

To ensure debt collection efficiency consistently meets established KPIs while maintaining VPBank’s non-performing loan ratio within regulatory thresholds, VPBank must continuously update its debt collection policies, processes, and systems in a timely and accurate manner across all segments, particularly the retail customer segment, which constitutes a significant portion of VPBank’s current portfolio. Additionally, this position is responsible for overseeing and monitoring VPBank’s debt collection activities to ensure ongoing compliance with VPBank’s internal regulations and applicable legal requirements.

Key Responsibilities:

• Assess limitations and areas for improvement in current debt collection processes and systems, and propose solutions to enhance debt collection effectiveness.
• Establish reporting standards for debt collection operations.
• Analyze debt collection performance and recommend improvements in both strategy and operations.
• Refine debt collection strategies; propose and organize pilot implementations of new strategies.
• Initiate Champion-Challenger testing programs, including proposal development, coordination with Collection Centers, implementation oversight, and results evaluation.
• Review the effectiveness of debt collection systems and processes.
• Propose enhancements to increase automation levels, labor productivity, and transparency in debt collection operations.
• Conduct audits of debt collection activities; provide feedback to the Head of Collection Strategy and Collection Center Directors regarding issues identified during strategy execution, and recommend measures to strengthen operational discipline.
• Collaborate on headcount budgeting for the debt collection department.
• Participate in or lead projects related to Artificial Intelligence (AI), Automation, collateral recovery, etc.
• Develop personal capabilities with strong expertise, high motivation, and ensure timely work completion. 

Job Requirements

• Minimum of 3 years of experience in Banking and Finance, including at least 2 years in Debt Management/Collection Strategy Management or Business Analysis (debt collection domain), with experience in Risk Management (particularly related to debt collection metrics).
• Knowledge of operational processes, systems, and debt collection activities (including early and late-stage collections)
• Required competencies: Analytical skills, critical thinking, data analysis skills (SQL proficiency)
• Language requirements: Strong reading and writing skills in English; basic listening and speaking abilities 

Benefits and Compensation

• Attractive and competitive compensation package within the Banking and Financial Services industry: Negotiable salary commensurate with capability; 13th-month salary + year-end performance bonus. Lunch allowance, fuel allowance, phone allowance, etc.
• Performance-based incentives + monthly/quarterly/annual performance bonuses.
• Benefits in accordance with Vietnamese labor law and VPBank regulations: Social insurance, health insurance, and unemployment insurance as prescribed; annual health examinations - VPBank Care health insurance (24/7 accident insurance, AON health insurance, family member insurance)
• 14 days of paid annual leave/statutory leave; Public holidays/Tet holidays as prescribed
• Annual company trips
• VPBank Staff account with complimentary banking services
• Preferential interest rate loans for high-performing employees
• Dynamic work environment with advancement opportunities. Skills training programs, professional development courses, and specialized knowledge training. Participation in VPBank’s cultural, sports, and arts activities. 

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