Senior Officer, Retail

2 days ago

Hanoi, Hanoi, Vietnam Techcombank Full time

19 Dec 2025

Senior Officer, Retail & Small Business Banking Risk Policy and Strategy

Category: Risk Management Division

Job Type:

Facility: Risk Management

Job Purpose

'Analyze, evaluate, control retail credit risk and consumer finance for the purpose of developing safety retail & small BB credit risk portfolio

Key Accountabilities (1)

'1. Professional tasks:

  • Perform these followings:

  • Develop Risk Appetite Strategy and monitoring

  • Develop Underwriting standards
  • Policy Conformance review
  • Develop New Business campaign policy , Cross sell / Upsell and down sell campaign policy
  • Develop Test cells and Champion Challenger strategies
  • Develop Exception Policy and Underwriting

  • Develop Down turn strategy and Management

  • Participate in design/develop products/business program with Retail Business Group

Key Accountabilities (2)

  1. Other functions:

  2. Support operation unit, business unit to clarify inquiries about credit orientation, policy deployment/credit granting condition and appaisal method, etc.

Key Accountabilities (3)

  1. Other responsibilities

  2. Perform work in accordance with policies, regulations, processes, guidelines, ... and commitment to service quality (SLAs).

  3. Develop yourself to perform well in your roles and responsibilities and adapt to work-related changes.
  4. Identify and manage risks of the unit in the process of operation (operational risks), report back to the leadership for solutions to minimize risks.
  5. Close cooperation with related positions, towards the common goal of the unit and the bank.
  6. Strictly manage results according to assigned KPIs KPI
  7. Strictly comply with the Bank's Labor Regulations
  8. Perform other related tasks at the request of direct managers and upper management.
Key Relationships - Direct Manager

Senior Manager/Manager, Retail & Small Business Banking Credit Risk Policy and Strategy

Key Relationships - Direct Reports

No

Key Relationships - Internal Stakeholders

Units in the bank (RBG, 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

  • 03 years experience in risk management
  • Foreign language (English): Minimum TOEIC 650 or equivalent. Candidates who have trained or worked for foreign companies/organizations will be preferred

Overview knowlege about risk management:

- Have in- depth knowledge about risk and risk management

  • Understand laws and regulations
  • Have knowledge about vietnamese and international standards in risk management

  • Other professional knowledge:

  • Have basic knowledge of data analysis and make decisions based on data results

  • Having basic knowledge about the method of building risk management models and applying the model to develop policies
  • Have background knowledge on appraisal/approval for retail customer

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