RESPONSIBILITIES

• Develop, implement, and monitor credit policies and manuals for underwriting processes for both secured and unsecured products.
• Ensure compliance of underwriting manual with Bank’s internal and regulatory standards.
• Participate in new retail product development, campaigns and product revisions. Discuss product initiatives in constructive way to find compromise between risk control and business growth.
• Working in close cooperation with analytical team to monitor portfolio quality and analyze credit performance and operational performance to identify problem and potential improvements, propose and take corrective actions.
• Collaborate with risk strategy management team to ensure Straight through Processes, mitigate operational risk and reduce cost. Initiate and control changes in IT systems accordingly.
• Prepare risk related presentations and materials for high level committees and working groups.

REQUIREMENTS

• Major/Bachelor/Master of Finance/Banking/Business Management/Commerce.
• At least 5 years of experience in financial/Banking product, credit policy setting and credit initiation.
• Expert in English: Reading, Listening, Writing & Speaking.
• Have in-depth knowledge and expertise about Banking products and Data analysis.
• Have Task Management and MS Office skills.
• Good at Problem Solving, Negotiation and Communication skills.
• Proactive and creative in working.