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CREDIT & RISK

 

 

 

 

 

 

Fraud Prevention Officer 

Department:            Credit and Risk

Report to:               Fraud Prevention Manager

Working Location:    Based in HCM city & Ha Noi - Vietnam

No. of subordinates: N/A

 

Job Summary:

Be responsible for conducting all types of investigation related to credit fraud both internally and externally

 

Key accountabilities:

- Continuously reviewing, monitoring and understanding the application flow and behavior to detect fraud trend.

- Proactively initiating and recommending process improvement during daily tasks in order to optimize fraud detection and prevention, including set-up, update and implementation of the new process

- Conducting in-depth investigation upon findings through data review to detect actual fraud incidents in relation
to either customers or internal staff.

- Conducting independent field check any suspicious incidents on the requirement basis.

- Communicating with relevant departments of fraud incident outcomes and handling the case from the start to
the end process.

- Proactively liaising with law enforcement agencies and government offices to ensure the company maintains
sound relationship with those external contacts in an appropriate manner to gain maximum support during fraud
handling.

- Properly taking preventive action based on the findings to effectively protect the Company from any
foreseeable or potential damage.

- Assisting team members and Fraud Prevention Manager in daily tasks.

- Performing ad hoc task as per business requirements.

 Background specification:

1. QualificationUniversity Graduate, major in Police, Security, Math, Statistics, MIS, Finance, Accounting or Business Administration

2. ExperienceAt least 2 years of experience in financial sector, especially in the field of credit fraud investigation

3. Knowledge:

- General knowledge of financial sector

- Knowledge of consumer finance business is preferable.

4. Skills:

- Good communication and analytical skill
 
- Good interrogation and investigation skill

 

How to apply

If interested, please send your CV to Recruitment team at htt.thuy@prudentialfinance.com.vn 

 

  CREDIT INITIATION UNIT MANAGER

 

Department:            Credit and Risk

Report to:               Head of Credit Initiation Unit

Working Location:     Based in HCM city - Vietnam

No. of subordinates:  N/A

 
 
 Job Summary:

 Managing the centralized CV team, and FV team nationwide, participating/initiating change project to enhance the CIU performance and effectiveness

 

Key accountabilities:

- Monitoring CV, FV attendance and ensuring high productivity on daily basi

- Conducting regular training, coaching to maintain the credit quality, delinquency as per threshold (# of credit finding, delinquency ratio…), to enhance the assessment skills for the CV, FV team, as well as to deliver excellent service to customer

- Conducting proper capacity planning, prompt recruiting and training to fill in any vacancy, to ensure business continuite

- Proactively participating in or initiating change projects to enhance the CIU performance and effectiveness

- Proactively connecting all CIU staff to maintain good team morale, high spirit, proper mindset and high integrity

Background specification:

1. Qualification: University Graduated

2. Experience:

- At least 5 years of work experience in underwriting field

- Used to lead/manage team and work in consumer lending is preferred

3. Knowledge

Consumer lending, regulations on labor, residence, business

4. Skills:

- Good leadership, open-minded, adaptive to changes and lead the changes

- Good speaking and writing English

- Good presentation skills

 -Good MS office (PPT, excel)

- Good data analysis skills

- Good team work

How to apply

If interested, please send your CV to Recruitment team at htt.thuy@prudentialfinance.com.vn 

 

DECISION SCIENCE MANAGER

 

Department:            Decision Science

Report to:               Chief Risk Officer

Working Location:     Based in HCM city - Vietnam

No. of subordinates: N/A

 

Job Summary:

As important part of Organization, Decision Science Department plays the key role in building centralized
database and system; provides the consolidated insight of company level through various analysis from
Sales, Risk to Finance aspects. Decision Science Department would handle the circle of responsibilities
from technology, data, process, usage and strategy to give value solution to Board of Management under
independent party (3P) view.

 

Key accountabilities:

- Provide insight through data analysis in various aspects encompassing Sales, Risk, Finance and
Operations perspective as an independent function from Risk or Sales.
- In charge of company database management such as database (DB) structure design and centralizing all information, etc.
- Be a bridge between business and IT for work-related data management.
- Operationalize business analytics in order to bring tangible values for relevant business divisions.
- Develop tools to provide standards MIS such as dashboard for entire company level.
- Market research and provide outlooks for business strategy.
- Support business project by providing various ad-hoc analysis to concerned departments.
- Monitor/alert operation efficiency and business trends in deep level.
- Operationalize business analytics in order to bring tangible values for relevant business divisions.
- Develop the team through on-going coaching, goal-setting, performance management and training.
- Other key projects as the business needs & jobs assigned by Board of Management time to time.

 Background specification:

1. Qualification:

- Bachelor degree or above

 2. Experience:

- More than 10 years of working experience in financial industry.

- More than 5 years of analysis experience/skills in risk or sales or finance team

- Experience/background of IT, software, and consulting company would be preferential

- Good command of English

3. Knowledge:

- Proven thought leadership with a superior ability to drive results and strategies.
 
- Strong understanding of the financial services or related industry
 
- Demonstrated ability to analyze business strategies and see developing trends.
 
4. Skills:
 
- Track record of integrity, innovation and overall excellence.
- Strong communication and leadership skills and the ability to assume increasing responsibilities in a rapidly changing environment.
- Good command of spoken and written English

 How to apply

If interested, please send your CV to Recruitment team at lnv.anh@prudentialfinance.com.vn 

 

 

 DECISION SCIENCE OFFICER

 

Department:            Decision Science

Report to:               Decision Science Manager/ Head of Decision Science

Working Location:     Based in HCM city - Vietnam

No. of subordinates: N/A

 

Job Summary:

As important part of Organization, Decision Science Department plays the key role in building centralized
database and system; provides the consolidated insight of company level through various analysis from
Sales, Risk to Finance aspects. Decision Science Department would handle the circle of responsibilities
from technology, data, process, usage and strategy to give value solution to Board of Management under
independent party (3P) view.

 Key accountabilities:

- Provide insight through data analysis in various aspects encompassing Sales, Risk, Finance and Operations perspective as an independent function from Risk or Sales.

- In charge of company database management such as database (DB) structure design and centralizing all information, etc.

- Be a bridge between business and other departments for work-related data management.

- Operationalize business analytics in order to bring tangible values for relevant business divisions.

- Develop tools to provide standards MIS such as dashboard for entire company level.

- Market research and provide outlooks for business strategy.

- Support business project by providing various ad-hoc analysis to concerned departments.

- Monitor/alert operation efficiency and business trends in deep level.

- Operationalize business analytics in order to bring tangible values for relevant business divisions.

- Other key projects as the business needs & jobs assigned by Decision Science Manager/ Head of Decision Science time to time.

 
Background specification:

1. Qualification: Bachelor degree or above and majoring in in Statistics/Math, Computer Science, MIS.

 2. Experience:

- More than 3 years of working experience in Financial industry, Business Intelligence/Analyst in ecommerce is preferable.

- Have experience in using the analytical tools such as: Excel, SAS, Oracle… applied for Finance/ Banking industry.

3. Knowledge:

- Strong analytical skills with the ability to collect, organize, analyse, and disseminate significant amounts of information with attention to detail and accuracy

- Good analytical skills;

- Good at visualizing MIS/ dashboard and strong in numbers;

4. Skills:

- Demonstrated ability to analyze business strategies and see developing trends

- Strong understanding of the financial services or related industry

- Track record of integrity, innovation and overall excellence.

- Strong communication and the ability to assume increasing responsibilities in a rapidly-changing environment.

- Good command of English

 

How to apply

If interested, please send your CV to Recruitment team at lnv.anh@prudentialfinance.com.vn 

 

 

 Credit Analysis Supervisor

 

Department:            Credit and Risk

Report to:               Head of Risk

Working Location:     Based in HCM city

No. of subordinates: N/A

 

Job Summary:

This job holder is responsible for producing the analytic packs, important reports, having regular review with Policy team on the most updated policy to review the impact of new policies. The job holder has knowledge in statistical modeling and segmentation to conduct various functional performance monitoring & measurement. The position also require strong ability in working with various stakeholders, departments to generate MIS reports as required.

Key accountabilities:

- Prepare ad-hoc analysis and MIS reports on regular basis (daily, weekly, monthly…) for various departments/ function

- Analyze data for trends, issues, inaccuracies, and inconsistencies; report findings and execute management decision as appropriate

- Regularly conducting portfolio review with credit policy & product team, credit operation units to address the trends, issues & inconsistencies, propose action plans.

- Applying various statistical techniques (segmentation, pattern, decision tree, regression…) in data mining to propose business changes.

- Setting up scorecard rules in system by cooperating with IT team to integrate scoring logic in core banking system. Periodically monitoring credit risk scorecard models to ensure validity, accuracy, compatibility with business requirements

- Aroposing new approaches in risk modeling and segmentation to enhance risk management and credit policies

- Conduct on job training for analytic team members.

- System and database enhancement by addressing issues and executing UAT

Background specification

1. Qualification: University degree in MIS/Information System, Data Science, Business Analytics, IT & Computer Science, Mathematics, Statistics, Econometrics, Economics or related fields.

2. Experience: 

Minimum of 5 years experience in Risk analytics, Data analytics, Credit scoring analysis or Database programming in banking or consumer finance industry with practical usage of analytical, database programming tools (SAS, Oracle, SQL or other database management systems)

3. Knowledge:

- Exposure to credit and risk techniques, quantitative analysis, data programming, statistic models and strong at numerical skills

- Knowledgeable of model risk management and associated regulatory requirements

- Strong at analytic skills, experience users of SAS, Oracle, MSSQL, MySQL, R, SPSS

- Experience in banking/consumer finance is required

 4. Skills:

- Numerical & analytical sense: ability to tackle a problem by using a logical, systematic, sequential approach

- Computer skills: advanced user of excel

- Good leadership and management skills (considerable tact, diplomacy and people skills)

- Good command of spoken and written English

 

How to apply

If interested, please send your CV to Recruitment team at htt.thuy@prudentialfinance.com.vn

 

Assistant Credit Policy Manager

 

Department:            Credit and Risk

Report to:               Head of Risk

Working Location:    Based in HCM city

No. of subordinates: N/A

 Job Summary:

The key role is to manage overall credit lending policy of consumer loan products by both defining and implementing appropriate credit policy and supporting due diligence on new growth opportunities for sustainable & profitable business growth.  The role is aimed at ensuring the maximum of business growth while controlling the risk as specified in the business plan, development and execution of credit policy and product strategy, and providing effective inputs to the head of risk.

 This job holder is responsible for producing the analytic packs & scorecard monitoring, strong in statistical modeling and segmentation. The responsibilities also include ensuring credit risk activities are in compliance with civil laws, local regulations and in-line with regional risk management framework.

 In addition, the position is to ensure sound-risk company database. Different kinds of company databases and credit information to be timely updated so that business is always able to prospect right customers and support credit initiation and collection processes.

 

Key accountabilitie

1. Credit policy management: to develop/implement/measure/track credit policies and procedures including system setup testing to ensure properly execution of new credit policies/products/credit test, conduct training and guidance to execution functions (sales, verification, underwriting, collection…).
 
2.  Portfolio management, modeling & analytics: to analyze and mine credit performance by credit risk quantitative models, analytics to provide findings for business decision making and adjustment. To pattern and segment portfolio to identify various kind of credit risks.

3. Company database management: to manage different kinds of company database, refresh lists of companies to target, classify various customer segments

4. Due diligence: to establish, maintain due diligence, moderate/ co-ordinate activities from relevant counter-parties to seek business growth, process enhancement opportunities.

5. Internal policy manual/guideline and external/legal letter control: to be responsible to prepare, submit and retain documents related to Credit Risk for both internal & external usage purposes (internal lending policy, SBV/CIC reports, regulation/legal documents, operational risk documents ...) to ensure the compliance with local/regional requirements.

6. Macro economy, competitor, and market intelligence: to be vigilant for overall macro economy trend, competition landscape/movement for executing required counter measure to weather the situation to the favor of the business with timely report to Risk.Com and management.


 Background specification:

1. Qualification: University Graduate, major in Business Administration, Banking, Finance, Statistic, Econometrics or related fields.

2. Experiences: Minimum of 5 years experience in Banking or Consumer Finance firms with practical knowledge in credit policy, portfolio management or credit verification/underwriting.

3. Knowledge:

- Exposure to credit and risk techniques, quantitative analysis, system UAT experiences.

- Be familiar with local regulations, legal requirements in banking, consumer finance industry.

- Understanding of consumer finance industry and macro economics.

4. Skills:

- Fluent both spoken and written English

- Strong at numerical skills, quick learner.

- Good at leadership and people interaction skills.


How to apply

If interested, please send your CV to Recruitment team at htt.thuy@prudentialfinance.com.vn

 

Background specification
Background specification
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