Consumer Banking Credit Risk Management Staff

Purpose
To strengthen controls on credit risk and fraud risk related to Consumer Banking business.
Main tasks
• Assist team head in development, monitoring and adjusting credit risk management policies, application processing, credit underwriting process in line with business strategies, risk appetite for each products and socio-economic situation
• Monitor and analyze on-going risk decision results, understand risk trends and identify emerging risk factors
• Initiate change requests for credit policy rules and calculation logics in decision engine system to improve efficiency, enhance portfolio performance and mitigate credit risk
• Consult and review on risk mitigation perspective for products/ product programs
• Perform risk-related analysis in collaboration with Data team to assess the creditworthiness of loan applicants, identify potential fraud risks, and propose solution to mitigate lending risks
• Research and communicate with vendors to acquire information and service to develop and enhance the credit risk management. Support in reporting, reconciliation, error handling with vendors
Key performance index
Financial Aspect
• NPL ratio
• Consumer Credit Cost
Non-financial Aspect
• Ensure Consumer banking credit risk management regulations and procedures are developed and reviewed timely
• Effectiveness of fraud detection
• Effectiveness of internal controls
• Provide support to customer objectives by delivering value through simplified risk practices and processes

Performance review
,#Cathay insurance
,#Domestic and oversea training

Credit Risk, Quản Lý Rủi Ro, Quản Lý Rủi Ro Tín Dụng, Risk Management, Phân Tích Rủi Ro