Develop, Implement, and monitor credit policies for unsecured products.
Review unsecured product programs and keep track on policies changes.
Ensure compliance of unsecured products regulations and processes with Bank’s internal and regulatory standards together with deep understanding on Unsecured segment..
Participate in new retail unsecured product development, campaigns and product revisions. Discuss product initiatives in constructive way to find compromise between risk control and business growth.
Design underwriting process for unsecured product.
Prepare BRD and own change requests related to retail lending customers in LOS system.
Working in close cooperation with analytical team monitor and analyze unsecured products performance to identify problem and potential improvements, propose and make corrective actions.
Monitor and improve credit operations of unsecured loans.
Prepare unsecured portfolio related presentations and materials for making reports to Teamleader and Head of Retail risk if requested.
Participate in Basel II implementation project.
Support Credit risk management policy Manager in unsecured portfolio matters.
2
Your skills & qualifications
University degree, preferably in Economics, Finance, Banking
More than 3- 5 years experience in retail banking or retail risk
Knowledge of Unsecured lending Product.
Strong analytical and problem solving skills
Knowledge of Vietnamese banking regulations and SBV requirements
Structured thinking
Good oral and written communication skills
Good in presentations
Fluent English
3
Benefits
Attractive and competitive income in the Banking and Financial Services industry: Salary negotiated according to ability; 13th-month salary + year-end performance bonus. Allowances for lunch, transportation, phone, etc. Incentives based on work performance + additional bonuses monthly/quarterly/annually.
Preferential loans according to the bank’s policies at different times.
Attractive leave entitlement based on job level, including summer vacation benefits.
Mandatory insurance as required by labor law + VPBank Care insurance for employees depending on position and length of service.
Opportunity to participate in training courses according to the training framework for each position.
Working hours: Monday to Friday & Saturday morning.
A dynamic, friendly working environment with many opportunities for training, learning, and development; participation in various exciting cultural activities (sports competitions, talent shows, team-building activities, etc.).
