Head of Retail Risk Center- Ho Chi Minh

Job Description:

• Credit performance, NPL (non-perfoming loan) and provisioning projections based on Annual Sales Budget
• Capacity planning and cost projections for Credit Operations (Credit Initiation and Collection)
• Stress test, Simulations and Cost-Benefit Analysis for Credit Operations
• Prepare and update Risk Management Policy, Product Programs and Credit Operations Manuals
• Design and produce portfolio quality reports, Credit Operation MIS, Fraud MIS and other dashboards
• Monitor and improve fraud risk control activities
• Monitor and improve collection efficiency

Job Requirements:

• Educational Qualifications:
• Post Graduate (MBA/CA) preferred
• Academic qualifications in Analytical disciplines - preferred (eg Economics, Quantitate Finance, Mathematics, Actuarial, Physics, Engineering etc)
• Professional / International Risk Management Organizations Memberships/Qualifications – preferred
• Expert in English: Reading, Listening, Writing & Speaking.
• Relevant Knowledge/ Expertise:
• Wide range of Retail Banking Products (Secured and Unsecured), specifically: Managed a portfolio of at least $ 3.0 Billion + experienced both in secured & unsecured products (the more the better of products)
• Data Analytics
• Credit Risk policy
• Credit underwriting and
• Collections Management
• Risk Modelling (Preferred)
• Skills: Microsoft Excel, Word, Power Point.
• Relevant Experience:
• At least 12 years of experience in Risk Management in Retail Banking
• At least 5 years experience as Head or deputy Head of Retail Risk for a portfolio > $3.5B. Experience as CRO/Deputy CRO is preferred.
• Experience in working in Asia (MORE than one country) and specifically in developing countries across Retail Banking
• Required Competencies:
• Strong people management, analytical, numerical skills
• Significant experience in working directly with C-level stakeholders (preferred)
• Large Team leadership
• Superior Problem Solving & Expert Negotiation skills
• Expert Communicator
• Proactive and Creative in Working.

• Competitive and performance-based compensation package
• Holiday and Lunar New Year bonuses, subject to the Bank’s prevailing policies
• Preferential staff loan programs, in accordance with bank policies
• Enhanced annual leave entitlement based on job level, plus company-sponsored summer vacation
• Full statutory insurance coverage as required by labor law, plus VPBank Care insurance depending on job grade and tenure
• Access to comprehensive training programs, aligned with the competency framework for each position
• Working schedule: Monday to Friday, and Saturday morning
• Dynamic, collaborative, and growth-oriented workplace, with abundant opportunities for learning and career development
• Participation in diverse employee engagement activities, including sports tournaments, talent contests, and team-building events