Senior Risk Management

Position Overview

Our client is hunting for a sharp-eyed Senior Credit Management professional who can spot trouble long before it reaches the balance sheet. Reporting straight to the Country Head, this role owns the credit-risk playbook — designing rigorous, data-driven underwriting standards, challenging weak proposals, and safeguarding the SME portfolio while still pushing for sustainable growth.

Working place: District 3, Ho Chi Minh City, Vietnam

Department: Credit Department

Reporting to: Country Head

What You Are Accountable For

Credit policy for Vietnam market

• Understand or join in building policies, workflows, covering the entire loan lifecycle: underwriting, approval, disbursement, monitoring, and recovery.
• Update the framework regularly to reflect the firm's risk appetite, regulatory changes, and NPL targets.

Underwrite & Approve Applications

• Independently review credit proposals from Business Development, ensuring every deal meets risk standards.

Portfolio Monitoring & NPL Management

• Build a report system to closely track the financial health of existing borrowers, spot early-warning signals, and launch preventive actions (restructuring, early collection).
• Own the company-wide NPL target; report promptly to the Country Head and recommend corrective measures.

Cross-Functional Coordination & Risk Culture

• Serve as the key link with Business Development, Customer Success, and IT to keep credit processes seamless.
• Manage risk-related projects coordination with other team members.

Core Competencies You Need (Prioritized Order)

Business and Financial Analyst

Ability to conduct comprehensive assessments of SME financials, cash-flow volatility, and collateral strength — applying both quantitative models and qualitative judgment to propose approval decisions based on independent thinking and reasoning.

Data Analyst and Reporting

Skill in setting and monitoring NPL targets, detecting early-warning signals, modelling loss-given-default scenarios, and executing restructuring or recovery strategies to safeguard profitability and capital adequacy.

Communication Skill

Communicate effectively with clients, internal stakeholders, and direct manager.

People Leadership & Coaching

Competence in recruiting, coaching, and mentoring Credit Officers / Analysts, fostering a high-performance culture where every team member understands and adheres to credit-risk principles.

Project Management

Ability to proactively lead credit-related projects such as portfolio reviews, policy updates, or system enhancements; ensuring timelines are met, cross-functional coordination is effective, and risk management direction is followed.

Integrity & Transparent Communication

Unwavering commitment to timely, unvarnished reporting of risk issues, ensuring leadership receives an accurate picture for strategic decision-making and capital preservation.

What You'll Have (Benefits)

• Flexible Work Options: Employees can work from home (WFH) up to 3 days per week, promoting a healthy and sustainable work-life balance.
• Comprehensive Insurance Coverage: Nearly 100% of actual salary is used as the base for social insurance contributions; private insurance (PTI) is provided for both employees and one family member.
• Annual Leave: 15 days of annual leave per year to rest, recharge, and pursue personal interests.
• Investment in Learning & Development: sponsored training programs for professional expertise and soft skills; financial support to explore and apply new tools, especially GenAI, to optimize work processes.
• Reward Points Program: earn reward points redeemable for food, coffee vouchers, and other perks.
• Workplace Engagement: monthly engagement activities and annual company trips.
• Additional Attractive Benefits: other benefits and perks to be discussed in more detail during the interview.