Job Description
1. Credit portfolio management:
• Conduct credit portfolio analysis from multiple perspectives, manage credit portfolio according to international practices and in line with the bank's risk appetite.
• Propose building systems of measurement indicators, establish risk limits to control credit risk (credit quality, concentration level, credit portfolio structure…)
2. Credit risk data management:
• Deploy control of credit risk data systems
• Propose building, developing, and managing database systems serving credit risk management work
3. Organize and control the implementation of debt classification and credit risk provision of MSB:
• Propose amendments to procedures for debt classification and credit risk provision
• Implement building plans for non-performing debt and credit risk provision according to assignment.
• Periodically coordinate with Financial Management to account for credit risk provision
4. Organize and implement credit risk reports for the State Bank:
• Propose databases serving requirements for limit control and reporting.
• Implement control of credit limits according to State Bank regulations
• Directly build and implement credit reports sent to the State Bank
• Deploy measures to automate reporting and build related regulations and procedures
5. Organize exploitation and management of credit information system from CIC:
• Implement sending credit information to CIC as requested
• Serve as point of contact with CIC on products meeting MSB's internal needs
• Implement building, upgrading, and managing CIC credit information system for user convenience, ensuring confidentiality
Job Requirements
1. Qualifications:
• Bachelor's degree or higher, majoring in Finance, Economics, Banking, Financial Mathematics, Economic Mathematics;
• Foreign language: TOEIC 450-650 or equivalent
• Proficient in office software, especially good at Excel, priority given to candidates with ability to use Access, SQL, VBA and quantitative analysis software
2. Experience:
Minimum 3 years of working experience at commercial banks in the fields of: Risk management (including Credit Risk Management/Partner Credit, Tool Models, Financial Management, MIS; Database Development)
3. Knowledge:
• Understanding of banking sector and legal regulations,
• Deep and broad knowledge of credit, risk analysis, commercial bank data systems, MIS…
4. Skills/Abilities:
• Sense of responsibility, proactivity in work
• Logical thinking, quantitative analysis ability
• Ability to work in teams/organizations
• Ability to plan and organize, solve problems
BENEFITS WHEN JOINING MSB
Attractive salary and bonus:
• Competitive salary compared to the market and commensurate with ability, to be negotiated when candidates pass the interview round.
• Attractive incentive/KPI bonus scheme and commissions, 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 benefits policy:
• Insurance according to legal regulations and private health insurance for MSB staff.
• Diverse benefits schemes: flexible working hours, summer leave, 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 level from internal staff, creating advancement opportunities for employees.
Professional working environment and dynamic corporate culture:
• Comfortable, friendly, emphasizing sense of responsibility, mutual support.
• Dynamic, creative, encouraging innovation and continuous learning.
• Respect for differences, emphasizing teamwork spirit and effective cooperation.
• Many cultural, sports and entertainment activities, creating a cohesive and joyful working environment.
• Multiple years in a row recognized by HR Asia as "Best Place to Work in Asia" and by Anphabe as "Enterprise with Happy Human Resources".
