Ngân Hàng TMCP Phương Đông - OCBĐược đăng bởi Jobryva
Khối Quản lý rủi ro, Hội sở - CVCC/Chuyên gia QLRR tín dụng cá nhân (chính sách tín dụng KHCN)
Hồ Chí Minh, Hồ Chí Minh (Vietnam)•MID•FULL_TIME
Ước tính thị trường
25.000.000 - 45.000.000 ₫/ tháng (Ước tính theo cấp bậc)
13 ứng viên đã nộp543 lượt xem
Kỹ Năng Yêu Cầu
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Mô Tả & Yêu Cầu Chi Tiết
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Mô Tả Chi Tiết
Role Purpose:
Lead the development, enhancement, and governance of credit risk policies for retail products (mortgage, project home, unsecured lending, credit cards, etc.), ensuring a balanced approach between risk control and portfolio growth objectives.
Translate risk strategy into clear, actionable credit policies that can be effectively implemented and monitored.
This role is expected to actively challenge existing practices and contribute to building a stronger risk framework.
Mô Tả & Trách Nhiệm Công Việc
Policy Development & Governance
Develop, review, and update credit risk policies across retail products
Define underwriting standards, approval criteria, and delegation of authority
Ensure policies are clearly documented, practical, and consistently implemented
Conduct periodic policy reviews based on portfolio performance and market changes
Risk Strategy Translation
Translate risk appetite and portfolio strategy into policy rules and cut-offs
Work with Risk Analytics to embed scorecards, segmentation, and risk-based approaches into policies
Ensure policies support sustainable growth while maintaining asset quality
Portfolio Monitoring & Policy Optimization
Monitor portfolio performance (approval rates, early delinquency, vintage curves, etc.)
Identify gaps and propose policy adjustments (cut-offs, rules, exceptions)
Conduct impact analysis to assess effectiveness of policy changes
Stakeholder Management
Collaborate closely with Business, Risk Analytics, Product, and Collections teams
Provide risk perspective on business initiatives and product proposals
Present policy changes and recommendations in a clear and structured manner
Regulatory Compliance
Ensure compliance with SBV regulations and internal risk frameworks
Support audit and regulatory review processes
Process & Control
Maintain strong policy governance (documentation, version control, approval workflow)
Ensure consistent policy implementation across channels and systems
Experience:
Minimum 3+ years in credit risk or credit products, preferably within retail lending
Experience in credit policy, underwriting, or risk strategy
Exposure to retail products such as personal loans, credit cards, or mortgages
Technical Skills:
Good understanding of retail credit lifecycle (origination → monitoring → collections)
Familiarity with scorecards, segmentation, and portfolio performance metrics
Ability to interpret data and translate insights into policy rules
Understanding of SBV regulations and retail credit frameworks
Soft Skills:
Strong analytical thinking and judgment
Ability to balance risk and business objectives
Willingness to challenge constructively and work cross-functionally
Clear communication and structured problem-solving
Proactive and ownership mindset
Ngành nghề: Ngân hàng
Kinh nghiệm: 3 Năm
Cấp bậc: Trưởng nhóm / Giám sát
Hình thức: Nhân viên chính thức
Địa điểm: Hồ Chí Minh, Hà Nội
Thông Tin Doanh Nghiệp Tuyển Dụng
Ngân Hàng TMCP Phương Đông - OCB
Hồ Chí Minh, Hồ Chí Minh
Tra Cứu Lương Thị Trường
Xem phân vị mức lương Median, p25 và p90 cho vị trí này. (MID Khối Quản lý rủi ro, Hội sở - CVCC/Chuyên gia QLRR tín dụng cá nhân (chính sách tín dụng KHCN) - Vietnam).
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