Head of Retail Risk, Banking (Open for Expat)

• Scope: Oversee comprehensive risk management for various loan products including retail mortgage loans secured business loans car loans cash loans credit cards overdrafts BNPLs consumer and household business lending acquired through digital channels third-party sourcing and over 230 branches and sales hubs.
  
• Products: Engage in the entire product development lifecycle optimize risk/return balance for products identify market opportunities refine customer targeting strategies and ensure timely market launches.
  
• Underwriting: Supervise and adjust retail underwriting strategies conduct champion-challenger tests provide field feedback for strategy improvement balance approval time and rates and detect fraud in applications and transactions.
  
• Portfolio Management: Oversee and promptly adjust credit portfolios perform stress tests establish effective early risk triggers and manage all factors affecting portfolio quality including changes in customer profiles sales channels incentive schemes debt collection and recoveries.
  
• Analytics: Utilize application behavioral propensity and other scorecards cluster portfolios apply advanced analytical tools to detect shifts in customer segments and develop forward-looking forecasts.
  
• Efficiency: Continuously improve lifetime cost of credit cost-of-risk versus return single account profitability modeling asset pricing and collateralization.
  
• Innovations: Lead the implementation of AI and GenAI technologies.
  
• Alternative Data: Profile customers using social networks digital footprints mobile operators gamification and app usage data.
  
• Compliance: Lead Advanced IRB initiatives calibrate PD/EAD/LGD and ensure proper loan loss coverage in compliance with IFRS 9 and local accounting standards.
  
• IT: Provide consulting on IT architecture for mass lending credit decision-making platforms and Open API integration.
  
• Content: Develop comprehensive collection procedures policies and documentation.
  
• Partnership: Act as a business partner to various departments including Retail Business Collections Finance HR IT BI Operations Legal & Compliance and Fraud Prevention.
  
• Team Building: Build lead and develop teams to meet the highest industry standards.
  
  

Requirements

Must-Haves:

• A Masters degree in Business Statistics Economics Mathematics Engineering or a related field.
  
• At least 5 years of management experience in retail risk management within banks or financial companies.
  
• Proven experience leading teams of over 35 full-time employees.
  
• Exceptional people management mentoring and leadership abilities.
  
• Proficiency in working with IT platforms that support retail business such as LOS decision engines
  
• AI/ANI applications Open API and tokenization.
  
• Strong skills in business partnering.
  
• Excellent written verbal and presentation skills.
  
• Fluency in English; proficiency in Vietnamese is a plus.
  
• High level of responsibility and integrity.
  

Good-to-Haves:

• Professional certifications in risk management.
  
• International experience.
  
• Experience with digital transformation initiatives.
  
• Knowledge of local and international regulatory frameworks.
  
• Strong analytical and problem-solving skills.
  
• Ability to thrive in a fast-paced dynamic environment.
  

Contact:

Due to the immense number of applicants only shortlisted candidates will be contacted.