1. Research and development:

Research, analyze, measure and quanify risks occurring from changes in legal policies, economics (macroeconomics, microeconomics, economic cycles,...), financial market to evaluate the effects/impacts on retail & small BB credit activities;
Research and update advanced risk management standards, techniques, models and practices;
Research and select outsourcing partners|to provide professional advice on risk management standards for TCB.
Communicate and perform training to ensure that units can understand clearly and xxx

2. Professional tasks:

Design, build and systematize the retail credit risk policies reasonably to meet business needs, long-term plans and new market trends, as well as in line with risk management framework;
Develop and customize base solutions: risk management methods/ models/ rule base/ advanced practices;
Own the process of defining, testing and production release, of Champion challenger, .test cell, and Model strategies within the respective decision support systems
Line Of Business risk management: Credit Line Management
Risk transfer strategy (ABS, MBS & Insurance)
Implementation of retail risk management:
- Define Target Market determination, Risk Segmentation strategy and building unsecured lending product programs based on agreed Risk Appetite
- Risk Appetite Strategy and monitoring
- Creator & Owner of Underwriting standards
- Policy Conformance review
- New Business campaign policy, Cross sell / Upsell and down sell campaign policy
- Test cells and Champion Challenger strategies
- Exception Policy and Underwriting
- Down turn strategy and Management
- Receive/contribute comments to develop/adjust general policies of units related to retail & small BB credit.

3. Human resource management and development:

Participate in strategic projects, inter-Division projects and projects of the Risk Management Division with the objective of (i) identify risks of the unit during operation, (ii) coordinate with related units to provide solutions in measuring and mitigating risks, ensuring compliance with the bank's policies and development realities in each period.
As a coordinator to allocate job, control job's quality and guide team member, ...
Manage human resource, develop and enhance staff's professional competencies
Perform other related tasks at the request of the Director and/or the Senior Manager

Degree/Occupation:

University graduate or above majoring in economics/ finance/ banking/ statistics
Minimum 5 years experience in risk management, 02 years of management experience in banking
Minimum TOEIC 650 or equivalent

Overview knowlege about risk management:

Have in- depth knowledge about risk and risk management
Understand laws and regulations
Understand Vietnamese and international standards about risk management
Understand type of risks (including credit risk, operational risk, industry risk) related to develop policies and products
Understand products, operation of banking and financial services for retail customer

Other professional knowledge:

Have basic knowledge of data analysis and make decisions based on data results
Having basic knowledge about the method of building risk management models and applying the model to develop policies
Have background knowledge on appraisal/approval for retail customer