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.Key Responsibilities:1. 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 changes2. 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 quality3. 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 changes4. 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 manner5. Regulatory Compliance- Ensure compliance with SBV regulations and internal risk frameworks- Support audit and regulatory review processes6. 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 mortgagesTechnical 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 frameworksSoft 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

• Bằng cấp: Đại học
• Độ tuổi: Không giới hạn tuổi
• Lương: Cạnh tranh