Credit Risk Management Policy Specialist/ Expert For Unsecured Lending- Hà Nội/ Hồ Chí Minh- TA084

• Develop, Implement, and monitor credit policies for unsecured products.
• Review unsecured product programs and keep track on policies changes.
• Ensure compliance of unsecured products regulations and processes with Bank’s internal and regulatory standards together with deep understanding on Unsecured segment..
• Participate in new retail unsecured product development, campaigns and product revisions. Discuss product initiatives in constructive way to find compromise between risk control and business growth.
• Design underwriting process for unsecured product.
• Prepare BRD and own change requests related to retail lending customers in LOS system.
• Working in close cooperation with analytical team monitor and analyze unsecured products performance to identify problem and potential improvements, propose and make corrective actions.
• Monitor and improve credit operations of unsecured loans.
• Prepare unsecured portfolio related presentations and materials for making reports to Teamleader and Head of Retail risk if requested.
• Participate in Basel II implementation project.
• Support Credit risk management policy Manager in unsecured portfolio matters.

• University degree, preferably in Economics, Finance, Banking
• More than 3- 5 years experience in retail banking or retail risk
• Knowledge of Unsecured lending Product.
• Strong analytical and problem solving skills
• Knowledge of Vietnamese banking regulations and SBV requirements
• Structured thinking
• Good oral and written communication skills
• Good in presentations
• Fluent English

BENEFITS:

• Attractive and competitive income in the Banking and Financial Services industry: Salary negotiated according to ability; 13th-month salary + year-end performance bonus. Allowances for lunch, transportation, phone, etc. Incentives based on work performance + additional bonuses monthly/quarterly/annually.
• Preferential loans according to the bank’s policies at different times.
• Attractive leave entitlement based on job level, including summer vacation benefits.
• Mandatory insurance as required by labor law + VPBank Care insurance for employees depending on position and length of service.
• Opportunity to participate in training courses according to the training framework for each position.
• Working hours: Monday to Friday & Saturday morning.
• A dynamic, friendly working environment with many opportunities for training, learning, and development; participation in various exciting cultural activities (sports competitions, talent shows, team-building activities, etc.).