Trách nhiệm chính

• Supervise the drafting, review, and maintenance of internal credit policies, regulations, and procedures for existing and new products, ensuring consistency with the approved risk appetite.
• Translate credit risk strategies and portfolio findings into actionable policy criteria, underwriting rules, approval authorities, and monitoring thresholds.
• Review policy proposals, data analyses, and impact assessments prepared by team members before submission to the line manager for approval.
• Coordinate the implementation of policy rules across credit operational flows, from onboarding and underwriting to approval; identify opportunities to reduce manual work, improve controls, and enhance customer experience.
• Work with Modeling, Data, and IT teams to deploy and monitor credit, fraud, and other predictive scorecards; review policy and model logic and coordinate user acceptance testing before production implementation.
• Supervise the design, testing, implementation, and ongoing monitoring of risk rules for auto-decisioning. Use SQL and Python to validate logic, assess impact, and recommend timely adjustments.
• Assess product proposals, partner API initiatives, and alternative data use cases from a credit risk perspective, and recommend appropriate controls and monitoring plans.
• Allocate work, review deliverables, monitor progress, and coach team members in credit policy, data analysis, and the implementation of policy rules into operational systems.
• Act as the day‑to‑day Risk Policy contact in company projects and provide consistent, proportionate credit risk advice to relevant stakeholders.
• Coordinate with Business, Operations, IT, Data Science, Modeling, and partners to resolve policy‑or system‑related issues and ensure the continuity of automated credit flows.
• Monitor regulatory changes, update internal policies and procedures, and support reporting or responses to the State Bank of Vietnam, auditors, and other relevant parties.
• Perform other tasks assigned by the line manager.

Yêu cầu

• Bachelor's or Master's degree in Finance, Banking, Economics, Data Science, Data Analytics, Management Information Systems, or related fields.
• At least 4 years of experience in Risk Policy Management, Credit Risk, or lending‑related functions, including at least 1 year of experience leading a team or coordinating a major workstream.
• Strong understanding of credit risk principles, consumer lending, financial analysis, digital lending journeys, and relevant regulatory requirements.
• Strong SQL skills and working knowledge of Python for data analysis and rule validation.
• Hands‑on, analytical, and improvement‑oriented leadership mindset, with the ability to coach team members, manage competing priorities, and deliver quality outcomes under pressure.
• Strong written and verbal communication skills, with the ability to explain risk issues clearly and influence cross‑functional stakeholders.

Yêu cầu ưu tiên

• Familiarity with Power BI, databases, data warehouses, and automated decisioning systems is preferred.

Mức lương

• Lương thỏa thuận

Phúc lợi

• Máy tính xách tay
• Bảo hiểm
• Phụ cấp
• Du lịch nước ngoài
• Thưởng
• Chăm sóc sức khỏe
• Tăng lương
• Phụ cấp thâm niên
• Chế độ nghỉ phép

Thông tin khác

• Nơi làm việc: Hồ Chí Minh (Quận 1)
• Cấp Bậc: Trưởng nhóm / Giám sát
• Hình Thức: Nhân viên chính thức
• Bằng Cấp: Đại học
• Kinh Nghiệm: 5 - 10 Năm
• Mức Lương: Lương thỏa thuận
• Ngành nghề: Dịch vụ ngân hàng và Tài chính cá nhân,Ngân hàng,Tài chính / Đầu tư
• Phòng Ban: Quản trị rủi ro/ Thẩm định
• Người Liên Hệ: Ms. Huong
• Phúc Lợi: Máy tính xách tay, Bảo hiểm, Phụ cấp, Du lịch nước ngoài, Thưởng, Chăm sóc sức khỏe, Tăng lương, Phụ cấp thâm niên, Chế độ nghỉ phép