• Provide analytical and MIS support for various retail policy and product decisions. Propose decisions on changes of product, policy, process to control target cost of risk and optimize operational costs of credit procedures.
• Assist in establishing, monitoring, evaluating, developing and implementing strategies for new account acquisition, collection, portfolio management.
• Validate and implement risk management tools (score models, alternative data sources) for acquisition, collection, CRM campaigns.
• Create, maintain and monitor effectiveness of risk triggers (early warning triggers, fraud triggers).
• Prepare periodic reports & analysis on key risk indicators (provision, NPL, collection).
• Conduct retail risk related analytical researches on regular basis or on demand.
• Conduct validation, deployment, and performance monitoring of OS credit scoring models and digital services to enhance automation and support the bank’s digitalization agenda.
• Perform ad-hoc analytical tasks and provide insights upon management requests or business needs.

1.Professional Knowledge & Skills

• Advanced understanding of credit risk management, data analytics tools and methodologies, reporting systems, and retail banking products.
• Up‑to‑date knowledge of banking practices, VPBank’s internal procedures, applicable legal regulations, and risk management frameworks within the retail segment.
• Strong logical reasoning, creative problem‑solving abilities, and effective communication skills, with the ability to deliver clear presentations and guidance.
• Solid knowledge of retail banking systems and architecture, including data warehouses and related operational processes.
• Strong interpersonal skills with fluent English proficiency.
• Demonstrated leadership capabilities, including team management, talent development, task delegation, and effective project coordination across multiple stakeholders.

2. Qualifications & Experience

• Bachelor’s degree in Mathematics, Finance, Banking, Economics, or a related discipline.
• At least 5 years of experience in risk or fraud analysis and MIS; experience in the financial or banking industry is strongly preferred.