Expert, Retail & Small BB Credit Risk Data, Porfolio Management & Early Warning (40001484)

Job Purpose

Key Accountabilities (1)

1. Manage credit portfolio
   • Identification of quality growth opportunities and ensure sustained growth in assets and topline.
   • Tail risk management.
   • Portfolio mix and shaping.
   • Portfolio monitoring, loss forecasting and early warning and early loss mitigation models.
   • Evaluate portfolio performance and offer solutions to improve the quality of the portfolio.
   • Control the content and quality of the report before sending it out to the stakeholders.
   • Responsible to provide strategy‑performance reports to determine efficacy of strategies defined within decision support systems.
   • Bureau reporting and bureau services.
2. Develop an early‑warning system & determine early loss mitigation opportunities.
3. Calculate regulatory capital requirements for credit risks
   • Credit bureau analytics.
   • Loss forecasting.
   • Risk‑reward measurement.
   • Portfolio sale / risk insurance / portfolio securitization.
4. Line of Business risk management
   • Credit line management.
5. Partnership / ecosystem lending management
   • Build CAAS (Credit as a Service) ecosystem for all lending partnership.
6. Manage risk decision support systems
   • Owner of all Retail and Small BB risk decision support systems – Decision Engine, CFF, DSS, Dialer, Collection systems.
   • Build and manage decision support systems for account management and collections.
   • Thought leader for data ecosystem both internal and external data for risk life cycle decision support.
7. Portfolio data management and credit decision system support data
   • Build and standardize the database for real‑time portfolio reports/analytic reports.
   • Develop data requirements for credit decision system.
   • Explore and expand external data services to serve the needs of analysis, management, and credit decision making.

Key Accountabilities (2)

1. Human resource development
   • Participate in and coordinate with relevant units to deploy and directly teach training programs on risk identification and early warning signs for business units.
   • Train credit review for new staff.
   • Participate in the process of professional interviewing, recruiting personnel for the Department as assigned.
2. Other responsibilities
   • Actively identify, manage and propose to reduce operational risks in the Team's work.
   • Develop yourself to perform well in your roles and responsibilities and adapt to work‑related changes.
   • Identify and manage risks of the unit in the process of operation (operational risks), report back to the leadership for solutions to minimize risks.
   • Close cooperation with related positions, towards the common goals of the unit and the bank.
   • Strictly manage results according to assigned KPIs.
   • Periodically report to and be accountable to the Department Manager for the Team's work results.
   • Coordinate the work of the Department on behalf of the Division Director in the absence of the Division Director.
   • Support the Department Manager in performing the general tasks of the Department.
   • Strictly comply with the Bank's Labor Regulations.
   • Perform other related tasks at the request of direct managers and upper management.
   • Participate in Techcombank's projects as directed.
   • Support the Department Manager in the work contents related to early warning/post‑borrowing control/debt management of the project in case the Department Director participates in the project.

Key Accountabilities (3)

Key Relationships – Direct Manager

Key Relationships – Direct Reports

Key Relationships – Internal Stakeholders

Key Relationships – External Stakeholders

Success Profile – Qualification and Experiences

• Degree/Professional: University graduate or higher majoring in economics/finance/banking/statistics.
• Minimum 6 years experience in credit appraisal, credit analysis, credit control.
• Minimum TOEIC 650 or equivalent.