OBJECTIVES:
- Analyze portfolio data to evaluate performance and recommend strategies to maximize returns
- Enhance reporting and analytics processes to improve operational efficiency and decision-making support
- Collaborate across departments to unify data flows and ensure consistency across reporting systems
MAIN MISSION AND RESPONSIBILITIES:
- Develop, maintain, and govern policies, procedures, and operational frameworks related to asset classification, provisioning, risk settlement, credit bureau reporting, and debt management
- Manage and execute periodic credit classification and provisioning processes in compliance with SBV regulations and internal risk policies
- Oversee write-off and risk mitigation processes, including preparation of documentation and proposals for the Risk Committee and Risk Settlement Committee
- Act as the primary contact point with the State Bank of Vietnam regarding credit management, inspections, and regulatory responses related to credit risk and portfolio quality
- Govern credit bureau and external data provider reporting mechanisms, ensuring data integrity, system issue resolution, and dispute handling
- Develop and update Enterprise Risk Management (ERM) frameworks, asset-sale policies, and debt transaction protocols to safeguard the company’s portfolio
- Build and simulate financial impact scenarios related to asset classification and provisioning, translating regulatory requirements into accurate Excel-based models
- Support the preparation of regulatory and management reports while driving the integration of advanced accounting standards such as IFRS9 into current methodologies
- Ensure compliance with personal data protection regulations across all credit risk operations and manage risk-related contractual terms with external data vendors
- Conduct internal data audits to ensure data consistency, integrity, and audit trail readiness for regulatory and internal examinations
- Conduct ad-hoc analysis and strategy simulations to support business decisions when required
A. Skills, Knowledge, Experience:
- Bachelor’s degree or higher in Auditing, Accounting, Finance, Banking, Law, Risk Management, or related quantitative disciplines
- Minimum 5 years of experience in credit policy, regulatory reporting, asset classification, or risk compliance within consumer finance companies, retail banks, or Big 4 auditing firms
- Strong professional writing skills in both Vietnamese and English for drafting official correspondence, regulatory responses, and formal meeting minutes
- Deep and comprehensive knowledge of SBV regulations related to debt classification and provisioning under Circular No. 13/2022/TT-NHNN, Decree No. 86/2024/NĐ-CP and relevant amendments; CIC reporting requirements under Circular No. 15/2023/TT-NHNN; as well as personal data protection regulations
- Strong auditing background with hands-on experience in regulatory environments, audit processes, and rigorous attention to detail
- Solid understanding of IFRS9 frameworks, particularly Expected Credit Loss (ECL) modeling and accounting treatment for credit impairment, is a strong advantage
- Advanced proficiency in MS Excel, including the ability to process, automate, and audit large financial datasets, complex pivot tables, and advanced financial formulas
B. Competency and Professional Skills
- Collaborative, highly resilient, detail-oriented, and committed to delivering accurate execution under tight regulatory deadlines
- Strong attention to detail and quality control mindset
- Effective communication and cross-functional collaboration skills
- Strong analytical and problem-solving skills in highly regulated environments
- Exceptional governance and communication skills, with the ability to manage complex administrative procedures and influence decisions at the Risk Committee and Executive Management levels
REASONS TO JOIN SHBFINANCE:
Dynamic & Open Working Environment
- Work alongside friendly and supportive colleagues who value individual growth and development
- Monday–Friday working schedule (40 hours/week) with a 1.5-hour lunch break
- Modern open workspace equipped with the tools and resources needed for success
Competitive Compensation & Benefits
- Competitive compensation package with regular salary reviews, offering up to 14 months of annual income
- Lunch allowance and other work-related benefits
- Competitive annual leave policy, including 1 fully paid birthday leave
- Comprehensive healthcare insurance coverage
- Company trips and annual team-building activities
Career Growth Opportunities
- Career development guidance and support from experienced managers
- Opportunities to participate in projects with local and international partners
- Continuous capability development through training programs, learning support, and knowledge-sharing activities
