Công ty tài chính Mirae Asset (Việt Nam) ★ 2.2

About the Role

We are looking for a Credit Analyst / Product Analyst to support the development and operation of secured lending products, with a focus on stock / securities – based lending, collateralized loan products, and partnership-driven financial services.

This role will work closely with Business, Risk, Legal, and Operations teams to evaluate creditworthiness, structure lending programs, analyze portfolio performance, and support product development initiatives. Candidates with experience in banking, securities, investment products, or financial services are strongly preferred.

Key Responsibilities

Credit Analysis & Risk Assessment

• Conduct financial analysis and credit assessment for corporate and individual borrowers.
• Review financial statements, cash flow, leverage, collateral quality, and repayment capacity.
• Prepare credit proposals, credit memos, and internal approval documents.
• Monitor portfolio quality, collateral positions, concentration risks, and loan performance.
• Support periodic portfolio review and risk reporting.

Product Development & Business Support

• Support development and enhancement of secured lending and collateralized loan products.
• Analyze market trends, competitor offerings, and partnership opportunities with financial institutions and securities firms.
• Coordinate with internal stakeholders (Risk, Legal, Operations, Finance, IT) to implement and improve products/processes.
• Prepare business analysis, operational workflows, and product documentation.

Portfolio Monitoring & Reporting

• Monitor loan utilization, collateral valuation, and exception cases.
• Prepare management reports, portfolio analytics, and performance tracking.
• Assist in developing operational controls and process improvements.

Education & Experience

• Bachelor's degree in Finance, Banking, Economics, Accounting, or related fields.
• 2–5 years of experience in:
  • Credit analysis
  • Corporate lending
  • Secured lending products
  • Financial analysis
  • Banking, securities, or investment-related products
• Experience at banks, finance companies, securities firms, or fintech companies is preferred.

Technical Skills

• Strong understanding of:
  • Financial statements and credit analysis
  • Corporate lending and secured loan structures
  • Collateral management and risk assessment
• Familiarity with securities products, stock market operations, margin lending, or investment products is a strong advantage.
• Strong analytical and problem-solving skills.
• Advanced Excel and financial modeling capability preferred.
• Ability to prepare clear reports and presentation materials.

Personal Attributes

• Detail-oriented with strong analytical thinking.
• Able to work independently and manage multiple priorities.
• Good communication and stakeholder management skills.
• Proactive mindset with willingness to learn new products and business models.

Preferred Background

Candidates with experience in the following areas will be highly preferred:

• Secured lending or collateralized loan products
• Corporate credit analysis
• Securities, investment, or wealth management products
• Margin lending or brokerage operations
• Financial product development
• Cooperation projects with banks, securities firms, or financial institutions

WHAT WE OFFER:

Mirae Asset Finance Viet Nam aims to build a "Professional - Friendly - Effective" working environment. Our strategic objective is to provide a working place with attractive package, growth opportunity, and sustainable development.

• Attractive packages with 13th salary year-end bonus and a week trip to Korea in order to recognize all your good performance and effort at MAFC.
• 15 days annual leave.
• Annual health check, company events.
• Annual healthcare insurance package from senior level and above.
• Young and proactive environment; no barriers, no limitation for new idea.
• Flexible internal career opportunity.