Expert, Retail & Small Business Banking Risk Policy and Strategy

Job Purpose Retail & small BB banking credit risk management policies and strategies focus on customer centrix, ensuring the sustainable development of retail banking credit portfolio in accordance with advanced standards and practices.Key Accountabilities 1. Research and development:• Research, analyze, measure and quanify risks occurring from changes in legal policies, economics (macroeconomics, microeconomics, economic cycles,...), financial market to evaluate the effects/impacts on retail & small BB credit activities;• Research and update advanced risk management standards, techniques, models and practices;• Research and select outsourcing partners|to provide professional advice on risk management standards for TCB.• Communicate and perform training to ensure that units can understand clearly and xxx2. Professional tasks:• Design, build and systematize the retail credit risk policies reasonably to meet business needs, long-term plans and new market trends, as well as in line with risk management framework;• Develop and customize base solutions: risk management methods/ models/ rule base/ advanced practices;• Own the process of defining, testing and production release, of Champion challenger, .test cell, and Model strategies within the respective decision support systems• Line Of Business risk management: Credit Line Management• Risk transfer strategy (ABS, MBS & Insurance)• Implementation of retail risk management:o Define Target Market determination, Risk Segmentation strategy and building unsecured lending product programs based on agreed Risk Appetiteo Risk Appetite Strategy and monitoringo Creator & Owner of Underwriting standardso Policy Conformance reviewo New Business campaign policy, Cross sell / Upsell and down sell campaign policyo Test cells and Champion Challenger strategieso Exception Policy and Underwritingo Down turn strategy and Managemento Receive/contribute comments to develop/adjust general policies of units related to retail & small BB credit.3. Human resource management and development:• Participate in strategic projects, inter-Division projects and projects of the Risk Management Division with the objective of (i) identify risks of the unit during operation, (ii) coordinate with related units to provide solutions in measuring and mitigating risks, ensuring compliance with the bank's policies and development realities in each period.• As a coordinator to allocate job, control job's quality and guide team member, ...• Manage human resource, develop and enhance staff's professional competencies• Perform other related tasks at the request of the Director and/or the Senior Manager