Senior Organic Offerings Portfolio Insights Specialist

OBJECTIVES

Ensures profitability of consumer lending/ credit card portfolios and optimal structure of product mix to achieve lowest risk with highest profit

COMMUNICATION

All BUs: Retail portfolio management require communication within different units to get proper business understanding and ensure high level data quality used for credit risk assessment

External (outside VPB FC):Proceed for consulting purposes

KEY RESPONSIBILITIES

• Analyze organic offerings portfolio quality and profitability, support to make reports to Risk Management and Settlement Committee.
• Support to develop product loss rate calculation methodology.
• Monitor regularly product/portfolio loss rate, to identify loss rate correlation with product changes, support onboarding process adjustments, credit risk policies and decision-making process changes
• Support product profitability calculation for both new product approval process and significant product changes
• Manage the necessary projects in Risk Management if required
• Work with IT, BICC, BD, Sales, Finance to cooperate within different business tasks
• Perform analysis with multiple dimensions and propose strategy according to insight analysis
• Other tasks assigned by Department Head.

• University degree in finance, economic, mathematics, statistics or its equivalent.
• At least 2 years of experiences in data analysis, Consumer Finance or Retail Banking is preferred.
• Experience in Retail Loan portfolio management
• Solid knowledge in Credit Risk and Risk Management.
• Knowledges in company financials and product management.
• Proficient in using Excel, SQL to conduct analysis, understand risk indicators and banking MIS is a plus.
• Proficient in MS Word, Excel, and PowerPoint.
• Good organizational, communication skill
• Problem-solving skill​