Credit Risk Manager

2 days ago


Ho Chi Minh City, Vietnam UOB Vietnam Full time

**About UOB**

United Overseas Bank Limited (UOB) is a leading bank in Asia with a global network of more than 500 branches and offices in 19 countries and territories in Asia Pacific, Europe and North America. In Asia, we operate through our head office in Singapore and banking subsidiaries in China, Indonesia, Malaysia, Thailand and Vietnam, as well as branches and offices.

Our history spans more than 80 years. Over this time, we have been guided by our values — Honorable, Enterprising, United and Committed. This means we always strive to do what is right, build for the future, work as one team and pursue long-term success. It is how we work, consistently, be it towards the company, our colleagues or our customers.

**About the Department**

The Retail function provides Personal and Business Banking customers with financial solutions tailored to their needs. We help them manage their money wisely and meet their financial goals through an extensive range of products and services. These include deposit, insurance, secured and unsecured loans, investment and wealth advisory services.

**Responsibilities**:

- Manage the overall retail credit portfolio within the desired risk appetite framework
- Maintain compliance with UOB credit policies/practices, regulatory policies and prepare, update, and ensure approval of all internal policy and procedure changes, keeping proper change and approval logs
- Continuously identify process improvements and efficiencies to support business unit goals through dissecting issues and making recommendations
- Identify business opportunities, develop credit tests and risk strategies, balancing risk and return, and work with cross-functional teams to ensure flawless execution of policy tests and strategies
- Develop and maintain the credit risk systems for optimization solutions

**Job Requirements**
- 4-6 years of relevant experience
- Experience in consumer lending businesses such as credit cards, unsecured lending, mortgages & car lending, etc. is preferable
- Experience with analytical or data manipulation tools (e.g., SAS, SQL, etc.)
- Proficiency in MS Office
- The position requires exceptional work ethics, solid communication skills, and ability to multitask and work against deadlines
- Quick learner with excellent communication skills, team orientation, and ability to work with counterparts in different areas
- Demonstrated quantitative, presentation and analytic skills
- Consistently demonstrate clear and concise written and verbal communication in both English & Vietnamese
- Bachelor's degree/University degree or equivalent experience

**Be a part of UOB Family


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