1. JOB DESCRIPTION/ MÔ TẢ CÔNG VIỆC

 TASK ACHIEVEMENT / NHIỆM VỤ CHÍNH

• Credit Policy Management
  • Develop, manage, revise and propose Credit Policy, Internal Regulation and Procedure, Credit Approval Authority, to ensure the unification and covering all relevant aspects of credit risks and practices,
  • Response to internal and external requests on credit policy matters,
  • Cooperate with IT department for system set up of policy and testing
  • Review Product Proposal, Product Regulation, new projects, processes and guidelines that relevant to credit policy management,
  • Monitor and provide timely effective communication on policy changes and regulatory issues/guidance impacting credit policy
  • Maintain an updated, comprehensive credit policy inventory and log
• Credit Operation Management
  • Interact and participate in projects of company on consistent and proportionate consult of relevant credit risks to parties to ensure risk mitigation in the credit lending operation
  • Report and prepare internal regulations, procedure, policy regarding Risk controlling as required by SBV
  • AML activities control:  execute AML check, conduct training class, reports to SBV…
  • Coordinate with other departments on business continuity plans in response to emergency scenarios.
• Credit Risk Modeling
  • Manage and validate Credit Risk Models (application scoring, behavior scorecards) and apply in appraisal process
  • Identifying ineffciencies and proposin operational process improvements to enable better outcomes.

1. JOB REQUIREMENT / YÊU CẦU CÔNG VIỆC

• EDUCATION, CERTIFICATION / GIÁO DỤC, BẰNG CẤP :

- Bachelor of Economics or relevant field

• EXPERIENCE / KINH NGHIỆM :

- At least 03 year experience in consumer finance industry.

- Intensive understanding of consumer credit products especially cash loans and TWs/CDL loans.

A. INDIVIDUAL CHARACTERISTICS / TÍNH CÁCH CÁ NHÂN :

- Highly self-motivated, enthusiastic in detail of data and numbers

- Strong legal sense.

- Good cooperation with strong supportive attitude

B. COMMUNICATION / KỸ NĂNG GIAO TIẾP

- Excellent interpersonal skills in dealing with key stakeholders.

C. LANGUAGES, COMPUTERS, ETC... / KỸ NĂNG NGOẠI NGỮ, VI TÍNH,…

- Good English writing skill.

- Good at making presentations.

D. OTHER SKILLS / KỸ NĂNG KHÁC

- A track record of delivering to aggressive deadlines

- Ability to quickly catch up with assigned tasks