Ngân hàng Oricombank - OCB ★ 3.2

Role Purpose:

- Lead the development, enhancement, and governance of credit risk policies for retail products (mortgage, project home, unsecured lending, credit cards, etc.), ensuring a balanced approach between risk control and portfolio growth objectives.
- Translate risk strategy into clear, actionable credit policies that can be effectively implemented and monitored.
- This role is expected to actively challenge existing practices and contribute to building a stronger risk framework.

Key Responsibilities:

1. Policy Development & Governance

- Develop, review, and update credit risk policies across retail products

- Define underwriting standards, approval criteria, and delegation of authority

- Ensure policies are clearly documented, practical, and consistently implemented

- Conduct periodic policy reviews based on portfolio performance and market changes

2. Risk Strategy Translation

- Translate risk appetite and portfolio strategy into policy rules and cut-offs

- Work with Risk Analytics to embed scorecards, segmentation, and risk-based approaches into policies

- Ensure policies support sustainable growth while maintaining asset quality

3. Portfolio Monitoring & Policy Optimization

- Monitor portfolio performance (approval rates, early delinquency, vintage curves, etc.)

- Identify gaps and propose policy adjustments (cut-offs, rules, exceptions)

- Conduct impact analysis to assess effectiveness of policy changes

4. Stakeholder Management

- Collaborate closely with Business, Risk Analytics, Product, and Collections teams

- Provide risk perspective on business initiatives and product proposals

- Present policy changes and recommendations in a clear and structured manner

5. Regulatory Compliance

- Ensure compliance with SBV regulations and internal risk frameworks

- Support audit and regulatory review processes

6. Process & Control

- Maintain strong policy governance (documentation, version control, approval workflow)

- Ensure consistent policy implementation across channels and systems

Experience:

- Minimum 3+ years in credit risk or credit products, preferably within retail lending

- Experience in credit policy, underwriting, or risk strategy

- Exposure to retail products such as personal loans, credit cards, or mortgages

Technical Skills:

- Good understanding of retail credit lifecycle (origination → monitoring → collections)

- Familiarity with scorecards, segmentation, and portfolio performance metrics

- Ability to interpret data and translate insights into policy rules

- Understanding of SBV regulations and retail credit frameworks

Soft Skills:

- Strong analytical thinking and judgment

- Ability to balance risk and business objectives

- Willingness to challenge constructively and work cross-functionally

- Clear communication and structured problem-solving

- Proactive and ownership mindset