Head of Retail Credit
Mức lương: Thỏa thuận
Đã hết hạn nộp hồ sơ - 81 lượt xem
Ngày cập nhật: 20/07/2019
Thông Tin Tuyển Dụng
Hình thức làm việc: Toàn thời gian
Chức vụ: Trưởng nhóm
Ngành nghề: Ngân hàng/ Tài chính, Chứng khoán/Vàng
Mô tả công việc
Job Objectives
This role is responsible for the strategic direction of the bank’s credit risk management framework across all Retail Banking products at country level. To have direct responsibility for the full credit lifecycle on Business Banking, Auto and Mortgage portfolios including Product Planning, Credit Initiation, Account Maintenance and Collections. Managing the credit quality of retail credit portfolios to ensure NCL and NPL targets are not exceeded and all areas of credit management comply with regulatory, group and local approved policies. The jobholder will also have to ensure the fair treatment of our customers is at the heart of everything we do, both personally and as an organization.
Key responsibilities:
- Specialist making a significant contribution to the delivery of the credit risk strategy and results in country;
- Responsible for management of all credit decision for full credit lifecycle of Business Banking, Auto and Mortgage;
- Ensure credit policies and procedures for Auto and Mortgage are market competitive and compliant with regulatory and Group requirements.
- Develop a strong team culture and ensure recruitment maintains the required skillset and experience;
- Ensure collections processes are consistent, effective, efficient and best in class;
- Manage the internal and external relationship with regulators and auditors for all aspects of retail credit risk management;
- Highlight any areas of concern or emerging trends in terms of deteriorating credit quality, market / economic trends or reduced profitability across any of the portfolios;
- Provide leadership, direction, career and succession planning to all staffs;
- Identifies and executes well considered opportunities that will result in improvements or adaptations of business practices;
- Maintain internal control standards, including the timely implementation of audit points together with any issues raised by external regulators;
- Maintain cost discipline, rationalise and consolidate risk expenses and manage all the budgets within plans.
This role is responsible for the strategic direction of the bank’s credit risk management framework across all Retail Banking products at country level. To have direct responsibility for the full credit lifecycle on Business Banking, Auto and Mortgage portfolios including Product Planning, Credit Initiation, Account Maintenance and Collections. Managing the credit quality of retail credit portfolios to ensure NCL and NPL targets are not exceeded and all areas of credit management comply with regulatory, group and local approved policies. The jobholder will also have to ensure the fair treatment of our customers is at the heart of everything we do, both personally and as an organization.
Key responsibilities:
- Specialist making a significant contribution to the delivery of the credit risk strategy and results in country;
- Responsible for management of all credit decision for full credit lifecycle of Business Banking, Auto and Mortgage;
- Ensure credit policies and procedures for Auto and Mortgage are market competitive and compliant with regulatory and Group requirements.
- Develop a strong team culture and ensure recruitment maintains the required skillset and experience;
- Ensure collections processes are consistent, effective, efficient and best in class;
- Manage the internal and external relationship with regulators and auditors for all aspects of retail credit risk management;
- Highlight any areas of concern or emerging trends in terms of deteriorating credit quality, market / economic trends or reduced profitability across any of the portfolios;
- Provide leadership, direction, career and succession planning to all staffs;
- Identifies and executes well considered opportunities that will result in improvements or adaptations of business practices;
- Maintain internal control standards, including the timely implementation of audit points together with any issues raised by external regulators;
- Maintain cost discipline, rationalise and consolidate risk expenses and manage all the budgets within plans.
Yêu cầu ứng viên
- Excellent understanding of banking’s credit risk, collection, product, finance and financial markets and also UOB overall business dynamics, particularly Retail Banking;
- Establishing credit guidelines and policy for the line of business;
- Strong leadership skills for constantly changing credit risk environment;
- Experiences in working with auditors, regulators and compliance;
- Expertise in project management, talent management, good interpersonal skills and influencing;
- Fluency in English required.
- Establishing credit guidelines and policy for the line of business;
- Strong leadership skills for constantly changing credit risk environment;
- Experiences in working with auditors, regulators and compliance;
- Expertise in project management, talent management, good interpersonal skills and influencing;
- Fluency in English required.
Quyền lợi được hưởng
- Professional and active working environment
Cách thức ứng tuyển
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Giới thiệu về công ty
UNITED OVERSEAS BANK (VIETNAM) LIMITED
Central Plaza Office Building, 17 Le Duan, Ben Nghe Ward, District 1, Hochiminh City, Vietnam
Người liên hệ: Recruitment team
Central Plaza Office Building, 17 Le Duan, Ben Nghe Ward, District 1, Hochiminh City, Vietnam
Người liên hệ: Recruitment team
United Overseas Bank (Vietnam) Limited is a leading bank in Asia with a global network of more than 500 branches and offices in 19 countries and territories in Asia Pacific, Europe and North America. In Asia, we operate through our head office in Singapore and banking subsidiaries in China, Indonesia, ...Chi tiết
United Overseas Bank (Vietnam) Limited is a leading bank in Asia with a global network of more than 500 branches and offices in 19 countries and territories in Asia Pacific, Europe and North America. In Asia, we operate through our head office in Singapore and banking subsidiaries in China, Indonesia, Malaysia and Thailand, as well as branches and offices. In 1935, amid the economic uncertainties following the Great Depression, UOB Vietnam opened its doors to offer banking services for the merchant community in Singapore. Since then, UOB Vietnam has grown organically and through a series of strategic acquisitions. Today, UOB Vietnam is rated among the world’s top banks: ‘Aa1’ by Moody’s and ‘AA-’ by Standard & Poor’s and Fitch Ratings. Generations of UOB Vietnam employees for the past 80 years have carried through the entrepreneurial spirit, focus on long-term value creation and an unwavering commitment to do what is right for our customers and our colleagues. At UOB Vietnam, we believe in being a responsible financial services provider and we are committed to making a difference in the lives of our stakeholders and in the communities in which we operate. Just as we are dedicated to helping our customers manage their finances wisely and grow their businesses, UOB Vietnam is steadfast in our support of social development, particularly in the areas of art, children and education. ------ Why work with us? With a vision to be a premier bank in the Asia Pacific, we are looking for people who make a difference and who share our passion for growth and success. We reward performance, provide excellent training and help you carve a clear career path. At UOB Vietnam, we believe people are our greatest asset. This is why your talent and contributions will never go unrecognised. Besides a competitive remuneration which includes an attractive employee care programme comprising comprehensive staff rewards programmes, such as medical care, insurance cover, and a wide array of financial and banking incentives, our employees can also look forward to relaxing holiday facilities in Singapore and abroad. Be a part of our team today. Ẩn chi tiết
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UNITED OVERSEAS BANK (VIETNAM) LIMITED
Địa chỉ: Central Plaza Office Building, 17 Le Duan, Ben Nghe Ward, District 1, Hochiminh City, Vietnam
Quy mô: 500-999 nhân viên
Việc làm tương tự
Head of Retail Credit
Mức lương: Thỏa thuận | Hạn nộp hồ sơ: Đã hết hạn nộp hồ sơ