Monitor and analyze portfolio quality and profitability to further escalate issues to Risk Management and Settlement Committee with the proposed actions to bring the performance to the target values.
Develop and support product loss rate calculation methodology.
Monitor regularly product/portfolio loss rate, to identify loss rate correlation with product changes, onboarding process adjustments, credit risk policies and decision-making process changes.
Support product profitability calculation for both new product approval process and significant product changes.
Initiate and propose changes to product parameters/ onboarding process/ credit risk policies and decision-making process to keep profitability in line with the planned values and optimize product mix to meet company business objectives.
Propose to Risk Management and Settlement Committee the retail portfolio segmentation into New, Mature and Stable, Performance Exception and Liquidating portfolios.
Work with IT, BICC, BD, Sales, Finance to cooperate within different business tasks.
Other tasks assigned by Head of Portfolio Insights & Management Department or CRO.
Job Requirement
University degree in finance, economic, mathematics, statistics or its equivalent
At least 5 years of experiences in Data Analyst, Risk Analyst Consumer Finance or Retail Banking is preferred.
Experience in Retail Loan portfolio management
Solid knowledge in Credit Risk and Risk Management.
Knowledges in company financials and product management.
Proficient in using Excel to conduct analysis, understand risk indicators and banking MIS is a plus.
We were founded as Consumer Finance Division of Vietnam Prosperity Joint-Stock Commercial Bank (VPBank). In 2015, we successfully transferred to an...Detail
We were founded as Consumer Finance Division of Vietnam Prosperity Joint-Stock Commercial Bank (VPBank). In 2015, we successfully transferred to an independent company with the Brand FE CREDIT. Since then, we continuously have been enlarging and taking the leadership of consumer finance market in Vietnam. Our success is built on serving the best sake of our customers; we are keen on designing new products with add-on values to customers with our philosophy of Fast and Easy. In 2021, FE CREDIT & SMBC FC have a strategic partnership and is valued at US$2.8 billion.
We have long nourished the determination to professionalise our operations. We embrace a strong organisational culture with a shared aspiration and values which allows us to act as a united and focused company.
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