Director of Credit Policy & Risk Management – Risk Governance Division

Job Description

• Develop objectives and action plans for the Credit Policy & Risk Management Department, including setting goals to design and establish the credit risk management policy system and credit strategy aligned with customer segments, ensuring consistency with the Board of Directors’ directives and the Bank’s credit development strategy.
• Advise the Division’s Board on strategy development, internal credit policies and regulations; manage, supervise, and provide alerts on the credit portfolio; develop credit risk measurement tools and models; monitor results and propose appropriate measures and actions.
• Direct, guide, and organize the execution of professional and operational activities of the Credit Policy & Risk Management Department:
  • Develop and manage the internal policy and regulation system for credit risk management and credit operations at the Bank.
  • Manage credit limits according to regulatory requirements, internal policies, the Bank’s commitments to partners, and applicable law.
  • Monitor and supervise credit risk exposure relative to approved limits to provide early warning, identify potential risks, and propose timely mitigation measures. Conduct stress tests on the credit portfolio and recommend actions to mitigate potential risks.
  • Conduct research and maintain understanding to comprehensively identify and assess credit risk arising from the Bank’s products and business activities, benchmark against the market, and refer to international standards (e.g., Basel Committee).
  • Evaluate and provide opinions on credit risk, control measures, and risk assessment for policies, regulations, and operational procedures proposed, drafted, or implemented by units across the Bank in credit, investment, and treasury operations with credit risk.
  • Supervise units in implementing risk mitigation measures according to current procedures/regulations or contingency plans for specific risk events.
  • Provide early warnings on potential risks, analyse root causes, and require the implementation of measures to mitigate risk and improve credit quality.
  • Develop and update the approval hierarchy and authority for credit allocation consistent with the Bank’s operational and strategic development; monitor and supervise the credit quality of borrowers across the Bank.
  • Develop, guide, and supervise the implementation of models and tools: credit rating models, credit risk measurement models, concentration risk models; monitor model effectiveness post-implementation and propose corrective measures.
  • Organize or participate in digital transformation projects related to credit assessment, approval, and projects enhancing the Bank’s risk management capabilities.
• Manage, assign tasks, and develop the team in the Credit Policy & Risk Management Department to ensure lean, high-quality, flexible, and proactive operations aligned with professional competencies.
• Build a professional, effective, and cohesive working environment within the Department to achieve the Bank’s overall objectives.
• Perform other tasks assigned by the Director of the Risk Governance Division, Deputy General Director, or Board of Directors.

Requirements

• Education:
  • Bachelor’s degree or higher in Econometrics, Banking & Finance, Information Technology, or Economic Law.
• Skills:
  • Strategic planning, work organization, task delegation, and project management.
  • Leadership, decision-making, and talent development.
  • Excellent presentation and communication skills; clear, coherent articulation; strong reasoning and critical thinking.
  • Effective negotiation and persuasion skills to coordinate with relevant units.
  • Strong logical thinking; proficiency in SQL, R, Python is a plus.
• Experience:
  • Minimum 2 years in an equivalent Deputy Director position or at least 5 years as Head/Deputy Head of a credit risk management unit at financial institutions.
  • At least 10 years of experience in credit or credit policy-related roles at financial institutions.
  • Preferably experienced in all three areas: credit policy, credit portfolio management, and credit risk model development and management.
  • Ability to conduct independent research and organize or coordinate project implementation.