Mô tả công việc
Propose to Credit Policy manager about the credit risk policy for unsecured retail lending products through each step of the credit process and monitor its compliance with Risk Governance.
Develop and maintain adequate credit risk strategy and policies relating to credit approval and verification, regulations on scanning document after approval, regulation on checking document, dealer authorization and risk mitigation.
Propose improvements for approval process in each product.
Prepare statements for changes in credit policy, loan decision process and criteria in the scoring system and customer gradings.
Planning the cost and headcount involved in the credit underwriting from the effects of changes in credit policies and business plans.
Monitor risk performance on a regular basis, identifying deviations from plan, developing corrective action plans and following-up on their execution.
Yêu cầu công việc
Qualification & Experience
Min 1 years of experience in a Banking environment managing Credit & Underwriting Policy for an unsecured portfolio.
Solid understanding of unsecured lending business.
Solid understanding of product management and sales.
Knowledge & Skills
Knowledge of risk strategy and tools used through the origination process.
Ability to prepare, analyse and present numerical data accurately and effectively.
Ability to meet pre-determined time-scales and deadlines.
Ability to work on own initiative and also as team member.
Ability to multi-task and build strong relationships with customers within the bank.
Highly self-motivated with strong communication skills.
Strong attention to detail.
Results driven and solution focused.
Advanced level of English
Bảo hiểm theo quy định, Du Lịch, Thưởng, Chăm sóc sức khỏe, Đào tạo, Tăng lương