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Credit Policy and Portfolio Risk Management Manager

  • Ho Chi Minh
  • Manager
  • Permanent
  • Bachelor
  • 3 - 5 Years
  • Negotiable
  • Banking
  • 24/11/2018

Job Description

In this role, you will:

  • Create and manage all Vietnam Retail credit policies and procedures.
  • Ensure there is effective oversight over underwriting/collections teams through conducting regular independent case sampling.
  • Interpret MI reports to validate effectiveness of credit policies.
  • Support the credit portfolio management team with deep dive reviews.
  • Develop new policies to support business growth within a test and learn framework.
  • Maintain an up-to-date understanding of the Vietnam lending market, competitors, etc.
  • Provide policy advice to front-line sales staff.
  • Partner with other teams such as underwriting services, collections, operation and RBWM to ensure that the process is efficient and automated where possible in order to maximise customer service without compromising credit standards.

Job Requirement

To be successful in the role, you should meet the following requirements: 

  • Minimum 3-5 years experience in retail risk management (advantageous to have prior experience in a credit approvals function)
  • Strong knowledge of credit policies (credit cards, personal loans and mortgages) and regulations
  • Excellent analytical abilities
  • Good understanding of the Vietnam lending environment, trends and competitor landscape
  • Effective communication and report writing skills
  • Prior experience delivering projects
  • Good negotiation skills with customer-oriented attitude


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