Head of Credit Risk

ACG3110JOB

Our client is a top-notch bank that is looking for a qualified candidate to join their firm.

Job Description

Department Leadership & Governance

• Oversee and take full accountability for all operations of the Credit Policy & Credit Strategy Department (CS&GSTD) in accordance with the functions and responsibilities assigned by the Board of Directors (BOD).
  

• Represent the department in meetings with the BOD CEO and Banks senior leadership presenting insights recommendations and professional opinions related to credit management and risk strategy.
  

• Develop and implement annual operational plans ensuring the department achieves its short- mid- and long-term strategic goals.
  

Credit Policy & Risk Management Framework

• Lead the development and enhancement of a comprehensive credit management policy system for all customer segments aligning with Banks business strategy risk appetite and regulatory compliance.
  

• Design implement and maintain internal credit approval frameworks ensuring alignment with Basel II/III standards and Vietnamese banking regulations.
  

• Act as the focal point for all projects related to credit policy credit risk strategy and regulatory reporting.
  

• Supervise the preparation and submission of weekly monthly and ad-hoc reports related to departmental activities to Banks leadership (Division Director CEO BOD).
  

Operational Management

• Plan organize and oversee daily departmental operations; ensure efficiency compliance and risk control.
  

• Provide strategic direction and technical guidance to subordinates; ensure high-quality deliverables and risk alignment.
  

• Evaluate the outcomes of credit-related initiatives and ensure the department fulfills Banks performance expectations and regulatory obligations.
  

• Monitor the implementation of approved credit policies across business units providing guidance and corrective measures where needed.
  

People Management

• Manage assign and evaluate staff performance; develop talent pipelines and succession plans for the department.
  

• Recruit coach and motivate team members to achieve high performance professionalism and accountability.
  

• Recommend reward and disciplinary actions based on performance assessments.
  

Internal Communication & Stakeholder Engagement

• Ensure clear accurate and timely communication between the department and Banks management bodies.
  

• Demonstrate strong presentation negotiation and persuasion skills in both internal and external communication.
  

• Represent Banks in industry meetings forums or working groups related to credit and risk management.
  

Requirements

Experience & Professional Background

• At least 5 years of management experience in banking credit policy or risk management.
  

• Proven expertise in credit management Basel II/III capital adequacy and risk measurement modeling.
  

• Preferred candidates have successfully led or participated in projects implementing Circular 41 capital adequacy calculations or IFRS 9 expected credit loss modeling.
  

Technical & Analytical Skills

• Strong understanding of credit approval processes credit risk frameworks and regulatory compliance.
  

• Ability to analyze design and optimize credit policy structures for diverse customer segments.
  

• Capable of identifying and mitigating credit risk through data-driven analysis and risk modeling tools.
  

Leadership & Strategic Thinking

• Excellent organizational and project management skills with the ability to plan monitor and execute multi-phase projects.
  

• Strong decision-making skills with a strategic mindset toward sustainable credit growth and risk control.
  

• Proven ability to develop innovative solutions for complex policy or operational challenges.
  

Communication & Representation

• Outstanding communication presentation and negotiation abilities in both Vietnamese and English.
  

• Strong interpersonal skills and the ability to influence and collaborate effectively with senior stakeholders.
  

Education

• Bachelors degree or higher in Finance Banking Economics or Business Administration.
  

• Certifications in Risk Management (e.g. FRM PRM) or Basel/IFRS 9 implementation are an advantage.
  

Contact: Huong Do

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