Credit Risk Management Lead

Project: Lending Business Model 

Our Client has been established to become a regional tech hub that partners with reputable companies and financial institutions to develop innovative mobile wallet services which empower financial inclusion for businesses and consumers.

RESPONSIBILITIES

• Participate in consulting during the process of setting-up:
  ○   Product policies, application policies & loan conditions of customers;
  ○   Policies on appraisal, administration & handling of collaterals;
  ○   Loan procedure and decision-making procedure for credit granting/ loan approval to customers;
  ○   Debt management process, debt collection process and after-sales of customers.
• Monitor, analyze and provide improvement ideas on the lending process, debt management process, debt monitoring and retirement as well as policies related to customers, products and collaterals.
• Overall monitor daily activities on debt management, debt retirement and timely provide warnings to relevant departments to ensure the effectiveness of credit business activities.
• Detect and handle suspicions of frauds and credit risks internally as well as from the customers’ perspective, the market and the State’s general policies that have an impact on the business activities of the company.
• Act as the “main person” in finding new technology solutions, customer credit scoring models, customer credit ratings, and blacklist/fraud data enrichment (Blacklist/ Fraud). Perform testing and analysis on the implementation proposal applied to the product development process, the lending procedure, and the post-borrowing follow-up of customers.
• Proactively seek, proactively build the internal credit-granting models, the internal early risk-warning systems to enhance credit quality and business efficiency of the company.
• Perform all other duties and tasks as assigned by the Leader from time to time.

JOB REQUIREMENTS

• Education qualification: Bachelor's degree required, master's degree preferred
• Language: Good in English
• Have worked for modern pawn financial organizations with minimum 05 years of experience.
• Or have worked for banks, in charge of secured credit: minimum 05 years.
• Experience in credit risk management is preferred.
• Attitude: Be honest, proactive, enthusiastic at work, and able to work under pressure.
• Office hours: Monday- Friday in Hanoi

BENEFITS

• 13th-15th month salary in accordance with Company’s policies and regulations.
• Holidays bonus
• 18 days of leaves with full salary. Up 5 days of flexible working days.
• Meal, gasoline, and mobile phone allowance and personal health insurance package allowance
• Annual summer vacation, Team-building activities monthly.
• Learning and Development programs
• And other benefits according to the Company’s compensation system.