SHB Finance ★ 3.7

Key Responsibilities

• Develop and apply data-driven models to support credit portfolio management and business decision-making.
• Build, calibrate, and deploy statistical and machine learning models (e.g., credit scoring, risk prediction, customer behavior analysis).
• Analyze portfolio data to identify risk trends, customer behavior patterns, and business opportunities.
• Combine quantitative analysis with business understanding to propose improvements in credit policies, product strategies, and customer management.
• Design and automate analytical reports to monitor portfolio performance and business effectiveness.
• Collaborate with cross-functional teams (Risk, Product, Business) to implement data-driven solutions.
• Monitor model performance and continuously enhance models to ensure accuracy and real-world effectiveness.

A. Knowledge & Experience

• Bachelor’s degree or higher in Applied Mathematics, Statistics, Data Science, Econometrics, Finance & Banking, or related fields.
• Strong foundation in:
  • Probability and Statistics
  • Data Analysis
• Solid understanding of Machine Learning algorithms (e.g., Regression, Classification, Tree-based models, etc.).
• Experience in building or applying data models is a strong advantage.
• Prior exposure to consumer finance or credit-related domains is preferred.

B. Skills & Competencies

• Modeling mindset: Ability to develop, evaluate, and improve analytical models.
• Business mindset: Strong interest in business and ability to translate data insights into business value.
• Analytical thinking: Ability to extract insights from data and translate them into actionable recommendations.
• Programming skills (preferred):Python / SQL / R
• Communication skills: Ability to present analytical findings clearly to stakeholders.
• Proactive, curious, and eager to learn with a continuous improvement mindset.

Nice-to-have

• Experience in credit risk modeling (e.g., PD, LGD, EAD).
• Familiarity with credit portfolio metrics (e.g., NPL, delinquency, vintage analysis).
• Experience working with large-scale datasets or big data environments.

REASONS TO JOIN SHBFINANCE:

A professional, open working environment that emphasizes 5 core values: “Smart – Honest – Brave – Friendly – Cooperation”:

• Working hours: Monday to Friday, with a 1.5-hour lunch break.
• Friendly and open-minded colleagues who value individual development.
• Spacious open office with all necessary equipment provided for work.

Special attention to employees:

• Competitive compensation package with regular salary increases. Total income can reach up to 14 months' salary per year.
• Lunch allowance of up to 1,200,000 VND/month.
• Exclusive healthcare benefits with comprehensive SHBFC Care insurance.
• Annual health check-ups at top hospitals in Vietnam, along with social insurance benefits as per state regulations.
• Annual company trips and team-building activities.

Focused on supporting personal development:

• Guidance, companionship, and career development support from experienced, talented managers.
• Opportunities to participate in major projects, leading in the consumer finance sector.
• Support for learning activities, knowledge exchange, and cultural interaction (Training, Seminars, ETC.)