JOB DESCRIPTION
1. Develop and implement credit policy
• Develop, implement and control credit documents (including: policies, procedures, regulations, risk appetite, approval authority, application of digital transformation thinking to introduce digitalized risk management....) in accordance with MSB's business strategy and risk appetite:
• Review/provide comments on documents from other departments/divisions/centers...
• Check compliance in the process of operating tools, provide business support to relevant departments in building tool systems and rating related to the credit policy system
• Participate in model governance throughout the model lifecycle. Monitor and periodically evaluate the impact of results and changes of models used in the rating process on credit risk measurement
2. Develop, implement and control documents on debt collection (including: policies, procedures, guidelines, debt collection indicators, competition programs, performance incentive mechanisms, ....in the management & debt collection activities at the Retail Credit Risk Monitoring & Control Department)
3. Participate in developing the retail credit risk management team
• Training and communication on retail credit risk management policies and strategies
• Training and communication on debt management and collection policies, guidance on implementing debt collection policies to ensure compliance with MSB and State Bank regulations
• Raise awareness and retail risk management capacity for officers at the Retail Credit Risk Management & Control Center and retail branches
• Raise awareness, understanding and ideas for applying digital thinking in retail credit
4. Propose and participate in improvement projects on technology and digitalization serving credit risk management and debt collection activities and meeting digitalization needs at retail branches
5. Manage operation of approval software/systems, portfolio management and debt management
6. Participate in training and communication on credit policies, procedures and regulations for internal units of retail branches
Job Requirements
• Bachelor's degree or higher in Finance, Banking, Economics, Commerce, Law, etc.
• Minimum 05 years of experience in the credit field (products, policies, debt collection, risk management, etc.) at financial institutions
• Understanding of the retail market and laws related to retail lending
• Ability to develop effective documents serving business;
• Ability to capture changing information on retail credit in the market and legal regulations
• Ability to analyze and evaluate credit risks, operational risks by customer segment or credit procedures/regulations;
• Ability to present, communicate and train;
• Ability to deeply understand and proactively guide business models from a risk management perspective
BENEFITS WHEN JOINING MSB
Attractive salary and bonus:
• Competitive salary compared to the market and commensurate with capacity, to be negotiated when candidates pass the interview round.
• Attractive incentive/KPI bonus and commission schemes, paid monthly, unlimited income (for sales positions and some special positions).
• Year-end performance bonus from 2 to 5 months average salary of the year, depending on evaluation and ranking results.
Comprehensive welfare policy:
• Insurance according to legal regulations and private health insurance for MSB staff.
• Diverse welfare schemes: flexible working hours, summer vacation, birthday leave, school opening leave for children,...
• Loan program with preferential interest rates for employees.
Training and career advancement:
• In-depth and systematic training programs in the direction of transformation (Re_skill, Up_skill, New_skill), customized for each job position group.
• Guided and mentored carefully by leaders, direct managers and industry experts.
• Management development program for employees with potential, helping them prepare for management and leadership positions in the future.
• Priority recruitment of management levels from internal staff, creating advancement opportunities for employees.
Professional working environment and dynamic corporate culture:
• Comfortable, friendly, emphasizing responsibility and mutual support.
• Dynamic, creative, encouraging innovation and continuous learning.
• Respect for diversity, emphasizing teamwork and effective cooperation.
• Many cultural, sports and entertainment activities, creating a cohesive and enjoyable working environment.
• Recognized for many consecutive years by HR Asia as "Best Place to Work in Asia" and by Anphabe as "Enterprise with Happy Human Resources".
