Expert, Retail & Small Business Banking Risk Policy and Strategy

Job Purpose: Retail & small BB banking credit risk management policies and strategies focus on customer centrix, ensuring the sustainable development of retail banking credit portfolio in accordance with advanced standards and practices.Your role & responsibilities1. Research and development:Research, analyze, measure and quanify risks occurring from changes in legal policies, economics (macroeconomics, microeconomics, economic cycles,...), financial market to evaluate the effects/impacts on retail & small BB credit activities;Research and update advanced risk management standards, techniques, models and practices;Research and select outsourcing partners|to provide professional advice on risk management standards for TCB.Communicate and perform training to ensure that units can understand clearly and xxx2. Professional tasks:Design, build and systematize the retail credit risk policies reasonably to meet business needs, long-term plans and new market trends, as well as in line with risk management framework;Develop and customize base solutions: risk management methods/ models/ rule base/ advanced practices;Own the process of defining, testing and production release, of Champion challenger, .test cell, and Model strategies within the respective decision support systemsLine Of Business risk management: Credit Line ManagementRisk transfer strategy (ABS, MBS & Insurance)Implementation of retail risk management:Define Target Market determination, Risk Segmentation strategy and building unsecured lending product programs based on agreed Risk AppetiteRisk Appetite Strategy and monitoringCreator & Owner of Underwriting standardsPolicy Conformance reviewNew Business campaign policy, Cross sell / Upsell and down sell campaign policyTest cells and Champion Challenger strategiesException Policy and UnderwritingDown turn strategy and ManagementReceive/contribute comments to develop/adjust general policies of units related to retail & small BB credit.