Job Summary

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. 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 Roles & Responsibilities

1. Develop/implement/track credit policies and procedures for consumer loan products (PL, Auto loan, Sales Finance…) 

2. System setup/UAT testing for new products/credit policies to ensure properly execution.

3. In charge of ad-hoc or frequent company database review (approve new company into company data base, block/unblock company, downgrade or upgrade company category in company data base…).

4. Prepare, submit and retain documents of Credit Risk department including internal policy manual/guideline, external/legal letter, SBV reporting…to ensure the compliance with local/regional requirements.

5. Provide frequent or ad-hoc analytic reports on credit performance as required by Head/Manager of credit policy

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.
 

Job Requirements

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

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

3. Knowledge: 
- Understanding of consumer finance industry, experience in Sales Finance, Auto loan and basis database knowledge (SQL,SAS, ORACLE…) is an advantage.
- Be familiar with local regulations, legal requirements in banking, consumer finance industry.
- Experience in system UAT testing (prefer business logic or rules testing)
- Good at Excel Pivot table
4. Skills:                  
- Fluent both spoken and written English.
- Strong at numerical skills, quick learner.
- Good communication skills