Job Purpose
Retail & small BB banking credit risk management policies and strategies focus on customer centrix, ensuringthe sustainable development of retail banking credit portfolio in accordance with advanced standards andpractices.
Key Accountabilities
Research and development:
- Research and update advanced risk management standards, techniques, models and practices;
- Communicate and perform training to ensure that units can understand clearly and xxx
- Research, analyze, measure and quanify risks occuring from changes in legal policies, economics(macroeconomics, microeconomics, economic cycles,...), financial markert to evaluate the effects/impacts onretail & small BB credit activities;
- Research and select outsourcing partners to provide professional advice on risk management standards forTCB.
Professional tasks:
- Design, build and systematize the retail credit risk policies reasonably to meet business needs, long- termplans and new market trends, as well as in line with risk management framework
- Own the process of defining, testing and production release, of Champion challenger, test cell, and Modelstrategies within the respective decision support systems
- Risk transfer strategy (ABS, MBS & Insurance)
- Line Of Business risk management: Credit Line Management
- Develop and customize base solutions: risk management methods/ models/ rule base/ advanced practices
- Implementation of retail risk management:
+ Down turn strategy and Management
+ Exception Policy and Underwriting
+ Risk Appetite Strategy and monitoring
+ Define Target Market determination, Risk Segmentation strategy and building unsecured lending product programs based on agreed Risk Appetite
+ Policy Conformance review
+ New Business campaign policy, Cross sell / Upsell and down sell campaign policy.
+ Test cells and Champion Challenger strategies
+ Creator & Owner of Underwriting standards
- Receive/contribute comments to develop/adjust general policies of units related to retail & small BB credit.
Human resource management and development:
- Manage human resource, develop and enhance staff&039;s professional competenciés
- Participate in strategic projects, inter- Division projects and projects of the Risk Management Division with theobjective of (i) identify risks of the unit during operation, (ii) coordinate with related units to provide solutions inmeasuring and mitigating risks, ensuring compliance with the bank&039;s policies and development realities in eachperiod.
- Perform other related tasks at the request of the Director and/or the Senior Manager
- As a coordinator to allocate job, control job&039;s quality and guide team member,...
