Expert, Retail

16 Oct 2025

**Expert, Retail & Small Business Banking Risk Policy and Strategy (40001488)**:

- Category: Risk Management Division
- Job Type:

- Facility: Risk Management

**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)**:

- '1. Research and development:

- Research, analyze, measure and quanify risks occuring from changes in legal policies, economics (macroeconomics, microeconomics, economic cycles,...), financial markert 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 xxx

**Key Accountabilities (2)**:

- '2. 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:
+ Define Target Market determination, Risk Segmentation strategy and building unsecured lending product programs based on agreed Risk Appetite
+ Risk Appetite Strategy and monitoring
+ Creator & Owner of Underwriting standards
+ Policy Conformance review
+ New Business campaign policy, Cross sell / Upsell and down sell campaign policy
+ Test cells and Champion Challenger strategies
+ Exception Policy and Underwriting
+ Down turn strategy and Management
- Receive/contribute comments to develop/adjust general policies of units related to retail & small BB credit.

**Key Accountabilities (3)**:

- '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 competenciés
- Perform other related tasks at the request of the Director and/or the Senior Manager

**Key Relationships - Direct Manager**:
Senior Manager, Retail & Small Business Banking Credit Risk Management

**Key Relationships - Direct Reports**:
Expert, Teamlead, Senior Officer and Officer

**Key Relationships - Internal Stakeholders**:
Units in the bank (CSA, RB, CA,...)

**Key Relationships - External Stakeholders**:
TCB AMC, TCB Jupiter

**Success Profile - Qualification and Experiences**:

- '- Degree/Occupation: University graduate or above majoring in economics/finance/banking/statistics
- Minimum 5 years experience in risk management; 02 years of management experience in banking
- Minimum TOEIC 650 or equivalent

Overview knowlege about risk management:

- Have in
- depth knowledge about risk and risk management
- Understand laws and regulations
- Understand Vietnamese and international standards about risk management
- Understand type of risks (including credit risk, operational risk, industry risk) related to develop policies and products
- Understand products, operation of banking and financial services for retail customer
- Other professional knowledge:
+ Have basic knowledge of data analysis and make decisions based on data results
+ Have background knowledge on appraisal/approval for retail customer