Assistant Credit Policy Manager

Role Purpose:

The key role is to manage overall credit lending policy of consumer loan products by both defining and implementing appropriate credit policy and supporting due diligence on new growth opportunities for sustainable & profitable business growth. The role is aimed at ensuring the maximum of business growth while controlling the risk as specified in the business plan, development and execution of credit policy and product strategy, and providing effective inputs to the head of risk.

This job holder is responsible for producing the analytic packs & scorecard monitoring, strong in statistical modeling and segmentation. The responsibilities also include ensuring credit risk activities are in compliance with civil laws, local regulations and in-line with regional risk management framework.

In addition, the position is to ensure sound-risk company database. Different kinds of company databases and credit information to be timely updated so that business is always able to prospect right customers and support credit initiation and collection processes.

Key Accountabilities

1. Credit policy management: to develop/implement/measure/track credit policies and procedures including system setup & testing, to ensure properly execution of new credit policies/products/credit test, conduct training and guidance to execution functions (sales, verification, underwriting, collection…).

2. Portfolio management, modeling & analytics: to analyze and mine credit performance by credit risk quantitative models, analytics to provide findings for business decision making and adjustment. To pattern and segment portfolio to identify various kind of credit risks.

3. Company database management: to manage different kinds of company database, refresh lists of companies to target, classify various customer segments.

4. Due diligence: to establish, maintain due diligence, moderate/ co-ordinate activities from relevant counter parties to seek business growth, process enhancement opportunities.

5. Internal policy manual/guideline and external/legal letter control: to be responsible to prepare, submit and retain documents related to Credit Risk for both internal & external usage purposes (internal lending policy, SBV/CIC reports, regulation/legal documents, operational risk documents ...) to ensure the compliance with local/regional requirements.

6. Macro economy, competitor, and market intelligence: to be vigilant for overall macro economy trend, competition landscape/movement for executing required counter measure to weather the situation to the favor of the business with timely report to Risk.Com and management.

1. Qualifications:
University Graduate, major in Business Administration, Banking, Finance, Statistic, Econometrics or related fields.

2. Experience:
Minimum of 5 years experience in Banking or Consumer Finance firms with practical knowledge in credit policy, portfolio management or credit verification/underwriting.

3. Knowledge:
- Exposure to credit and risk techniques, quantitative analysis, system UAT experiences.
- Be familiar with local regulations, legal requirements in banking, consumer finance industry.
- Understanding of consumer finance industry and macro economics.

4. Skills:
- Fluent both spoken and written English.
- Strong at numerical skills, quick learner.
- Good at leadership and people interaction skills.

- Attractive salary and bonus
- ISocial insurance, health insurance, unemployment insurance according to Labor Laws
- Regular team building and social events

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