Senior Officer, Credit Risk Analytics and Modelling

3 weeks ago

Hanoi, Vietnam Techcombank Full time

22 Nov 2023**Senior Officer, Credit Risk Analytics and Modelling (40000083)**:

- Category: Risk Management Division- Job Type:
- Facility: Risk Management**Job Purpose**:

- The job holder advises and provides business with credit risk insights from massive amounts of structured and unstructured potential data to support credit portfolio optimization and strategic planning
- The job holder will build credit risk modeling và solutions using statistical analysis, data mining and data visualization techniques, to create solutions to support credit decisioning throughout customer credit life-cylce

**Key Accountabilities (1)**:

1. Credit Risk Model và Measurement tools
- Develop and continuously improve credit risk models to support credit decision making throughout customer’s credit life-cycle: underwriting và approval, early-warning, collection và recovery
- Develop credit risk measurement tools and methodology in compliance with regulatory requirement and industry practices (SBV, Basel, IFRS9)
- Drive model implementation and usage with cut-off strategy recommendation/simulation
- Continue to monitor and recalibrate model on regular basis upon acquisition of new data available or significant findings of model monitoring/ validation to ensure model is fit-for-purpose
- Build policies, procedures, and guidelines related to the credit risk model development. Report, present and explain model to higher management for model approval.

**Key Accountabilities (2)**:

2. Credit Risk Analytics và Insights
- Provide credit risk management reports và insights to BOD, BOM, relevant units internal/external division/bank.
- Conduct portfolio assessment/in-depth analysis by forums and boards: BOM/BOD; ARCO/ALCO; other as requested.
- Perform portfolio credit quality forecast, scenario analysis/simulation for management decision / strategic planning / ICAAP, etc

**Key Accountabilities (3)**:

3. Credit Risk Analytics Infrastrucutre, Research và Development
- Operate and maintain credit risk feature stores and model deployment platform (batch-run model and real-time decision engine),
- Operate and maintain credit-risk related datamart and information system (debt classification, provisioning, and credit risk metrics) in accordance with regulatory and international standards (Basel II, IFRS9)

**Key Relationships - Direct Manager**:
Manager, Credit Risk Analytics and Modelling

**Key Relationships - Direct Reports**:
None

**Key Relationships - Internal Stakeholders**:
Divisions and units of risk management, business units using the model outside the risk management Division, CA Division, IA

**Key Relationships - External Stakeholders**:
Consultant, Partner, State Bank

**Success Profile - Qualification and Experiences**:

Experience:

- Minimum 05 years of experience in Banking, Risk Modeling or equivalent
- Understand international regulations and practices on Basel 2, IFRS9, and Stress-Test
- Extensive experience in building data and analytics solutions, data mining, statistical analysis and data visualization
- Experience in providing fact-based insights to help senior management and other stakeholders realize enterprise value at scale

Qualification:

- Bachelor's degree or higher (finance / banking / financial risk management / financial math / quantitative finance)
- Being trained at university or graduate level in these fields is advantageous in developed countries.
- Having an internationally recognized certificate in financial analysis, financial risk management is an advantage (eg, FRM, CFA, PRM, CPA,...)
- English proficiency requirements are pursuant to Techcombank's policy

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