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Ngân hàng TMCP Phương Đông | OCB · Hồ Chí Minh
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Type
Full-time
Work mode
On-site
Level
Supervisor
Industry
Banking & Finance
Salary
Thương lượng
Location
Hồ Chí Minh, Hồ Chí Minh, Hồ Chí Minh

Overview

  • 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.
  • 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

Summary of facts from the official posting. View original ↗

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