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

Ensure real-time database, instant credit decision engine, portfolio analysis and early warning reports for retail & small business banking risk management

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 Strategyperformance reportsto 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 / Eco system lending management

• Build CAAS ( Credit as a Service ) eco system for all lending partnership

6. Manange 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 eco system 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
• Exploring and expanding external data services to serve the needs of analysis, management, and credit decision making

8. Human resource development

• Participate in and coordinating 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.

9. 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 KPI
• 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.

Senior Manager, Retail & Small Business Banking Credit Risk Management

Officer/Senior Officer, Retail & Small BB Credit Risk Data, Portfolio Management & Early Warning

Units in the bank (CSA, RBG, CA, ...)

• 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