Expert, Credit Risk Analytics and Modelling

2 weeks ago

Hanoi, Hanoi, Vietnam Techcombank Full time ₫10,000,000 - ₫20,000,000 per year

3 Nov 2025

Expert, Credit Risk Analytics and Modelling

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, advanced machine learning, 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

  2. 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

  3. Develop credit risk measurement tools and methodology in compliance with regulatory requirement and industry practices (SBV, Basel, IFRS9)
  4. Drive model implementation and usage with cut-off strategy recommendation/simulation
  5. 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
  6. 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)

  1. Credit Risk Analytics và Insights

  2. Provide credit risk management reports và insights to BOD, BOM, relevant units internal/external division/bank.

  3. Conduct portfolio assessment/in-depth analysis by forums and boards: BOM/BOD; ARCO/ALCO; other as requested.
  4. Perform portfolio credit quality forecast, scenario analysis/simulation for management decision / strategic planning / ICAAP, etc…
Key Accountabilities (3)

  1. Credit Risk Analytics Infrastrucutre, Research và Development

  2. Research, compare, apply external/alternative data resources and advanced techniques into risk model development as benchmarking/challenger model for continuous improvement and upskilling

  3. Operate and maintain credit risk feature stores and model deployment platform (batch-run model and real-time decision engine),
  4. 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

Head/Director/Senior 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 8 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
  • Strategic decision taking and thinking, able to deal with very senior management, translate tech to business and vice versa

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

  • Senior Expert, Retail

    1 week ago

    Hanoi, Hanoi, Vietnam Techcombank Full time $80,000 - $120,000 per year

    5 Nov 2025Senior Expert, Retail & Small BB Credit Risk Management Category: Risk Management DivisionJob Type:Facility: Risk ManagementJob Purpose'Retail banking & Small business banking risk management policies and strategies focus on customer centrix, ensuring the sustainable development of retail banking & small business banking credit portfolio in...

  • Senior Expert, Fraud Risk Data Analytics and Portfolio Management

    3 days ago

    Hanoi, Hanoi, Vietnam Techcombank Full time

    21 Oct 2025Senior Expert, Fraud Risk Data Analytics and Portfolio Management Category: Risk Management DivisionJob Type:Facility: Risk ManagementJob PurposeGeneral: Responsible for leveraging internal and external data to provide insights and information related to big data, machine learning, optimization methods, and statistical rule/model building which...

  • Expert, Retail

    1 week ago

    Hanoi, Hanoi, Vietnam Techcombank Full time ₫1,500,000 - ₫3,000,000 per year

    16 Oct 2025Expert, Retail & Small Business Banking Risk Policy and Strategy Category: Risk Management DivisionJob Type:Facility: Risk ManagementJob PurposeRetail & 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...

  • Expert, Retail

    1 week ago

    Hanoi, Hanoi, Vietnam Techcombank (TCB) Full time $90,000 - $120,000 per year

    Job PurposeRetail & 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 DevelopmentResearch, analyze, measure and quanify risks occuring from changes in...

  • Senior Expert, Fraud Risk Management

    5 days ago

    Hanoi, Hanoi, Vietnam Techcombank Full time

    20 Oct 2025Senior Expert, Fraud Risk Management Category: Risk Management DivisionJob Type:Facility: Risk ManagementJob PurposeGeneral: Responsible to develop and implement solution/strategies for fraud risk risk for the purpose of preventing and reducing fraud risk of the whole bankSpecialization: Responsible for risk types that being assigned to manageKey...

  • Senior Expert/Expert, Operational Risk

    2 weeks ago

    Hanoi, Hanoi, Vietnam Techcombank (TCB) Full time ₫2,500,000 - ₫7,500,000 per year

    Job PurposeThe role is responsible for developing, enhancing, and implementing the Operational Risk Management Framework for the insurance business. The job holder ensures that all operational risk exposures across products, services, processes, and systems are effectively identified, assessed, monitored, controlled, and reported in compliance with...

  • Expert, HR Analytics

    2 weeks ago

    Hanoi, Hanoi, Vietnam Techcombank (TCB) Full time ₫900,000 - ₫1,200,000 per year

    Job PurposeResponsible for identifying and assisting in solving HR related issues, ensuring these adhere to the organisations policies and objectives. Analysing and evaluating data and reports, feeding back the findings to relevant managers and advising on changes and improvements are all part of the role.Key Accountabilities (1)Job ResponsibilitiesDevelop...

  • Senior Manager, Fraud Risk Management

    2 weeks ago

    Hanoi, Hanoi, Vietnam Techcombank Full time ₫10,000,000 - ₫20,000,000 per year

    3 Nov 2025Senior Manager, Fraud Risk Management Category: Risk Management DivisionJob Type:Facility: Risk ManagementJob PurposeThe job holder is responsible to develop and implement solution/strategies for fraud risk for the purpose of preventing and reducing fraud risk of the whole bankKey Accountabilities (1)Develop and propose anti-fraud programs and...

  • Expert, Operational Risk Compliance and Assurance

    2 weeks ago

    Hanoi, Hanoi, Vietnam Techcombank Full time $80,000 - $120,000 per year

    4 Nov 2025Expert, Operational Risk Compliance and Assurance Category: Operation ManagementJob Type:Facility: Risk ManagementJob PurposeBuild a system to check and monitor activities at the Departments to ensure compliance with the business processes and regulations of the Company. Building and monitoring the risk management and warning system to ensure...

  • Credit Officer

    2 weeks ago

    Hanoi, Hanoi, Vietnam Chailease International Leasing Co. Ltd. Full time ₫1,200,000 - ₫3,600,000 per year

    Control the risk of each application and propose a suitable credit line for each customer.Analyze the applicant's credit situation independently and systematically.Prepare Credit Report in English.Present the proposal to the Authorities for final decision.Update industry information for the industry report regularly.