Credit Risk Policy Officer

I. Job Summary

The key role is to develop, monitor credit lending policy of consumer loan products. This job holder is also responsible for analytics to review the impact of new credit policies, lending program to give input for higher level to have proper action to support for business growth.

II.Key Roles & Responsibilities

1. Credit Policy Development/Implementation:

• Develop credit policies, credit risk criteria for lending programs.

• Work with related stakeholders (IT, Credit Operations …) for credit policies implementation including system setup & UAT testing.

• Monitoring the Credit Policy implementation, ensure proper execution of policies by Credit Operations functions.

2. Portfolio Monitoring:

• Analyzing and mining credit portfolio performance for enhancing credit policy as required by Head/Manager of credit policy

• Provide frequent or ad-hoc analytic reports on credit performance as required by Head/Manager of credit policy

3. Company database management:

• In charge of ad-hoc or frequent company database review (approve new company into company database, block/unblock company, downgrade or upgrade company category in company data base…).

4. Internal and external policy compliance:

• Prepare, submit, retain documents of Credit Risk department including internal policy manual/guideline, external/legal letter, SBV reporting…to ensure the compliance with local/regional requirements.

5. Other tasks: as assigned.

1. Qualification

• University Graduate, major in Business Administration, Banking, Finance, Statistic, Econometrics or related fields.

2. Work Experience

• Minimum of 2 years experiences in Banking or Consumer Finance with some knowledge in data analysis or portfolio analysis or credit policy or credit verification/underwriting.

3. Knowledge

• Local regulations, legal requirements in banking/finance fields

• Credit policy, product development, portfolio analyst or credit verification/underwriting/approval experience

• Understanding of unsecured loan/secured loan/Credit card lending/operational process

• System UAT testing, business rule logic experience

4. Skills

• Fluent both spoken and written English.

• Strong at numerical skills

• Good at Excel Pivot table

• Responsible

• Self-motivated

• Professional

• Quick learner.