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Company and Job Overview
JAC’s client is a foreign bank, looking for a Retail Risk MIS & Reporting Manager position.
Location: Ho Chi Minh City
Job Responsibilities:
Lead credit portfolio monitoring and segmentation analysis to support acquisition strategies and optimize portfolio performance across retail banking products.
Design and manage automated reporting frameworks and interactive dashboards, enabling real-time, data-driven decision-making in partnership with cross-functional teams (e.g., Global Tech, Group Risk).
Utilize advanced data tools and platforms to execute risk analytics and generate comprehensive MIS reporting.
Apply decision tree models and data mining techniques to uncover risk patterns and recommend mitigation strategies.
Analyze credit and financial performance trends, leveraging scoring models, regression, segmentation, and simulation to propose credit policy enhancements.
Drive continuous improvement of risk workflows and methodologies through application of domain knowledge and regulatory insight.
Oversee credit risk performance across the retail portfolio, ensuring timely, accurate insights are delivered to senior leadership.
Maintain and strengthen procedural documentation, embedding data integrity and quality assurance controls.
Contribute to the lifecycle of credit policy development, including testing, optimization, regulatory alignment, and implementation.
Stay abreast of industry developments, regulatory updates, and risk management best practices to ensure proactive response to change.
Support scorecard implementation and lead validation reviews, ensuring models are aligned with business and risk objectives.
Demonstrate strong knowledge of loan loss forecasting and reserve methodologies, aligning estimates with actual portfolio behavior and accounting standards.
Ensure sound risk assessment in business decisions, promoting compliance, transparency, and reputational protection.
Provide technical guidance and mentorship to junior analysts, supporting their development and ensuring analytical consistency within the team.
Job Requirements:
Bachelor’s degree in a relevant field or equivalent professional experience.
5–8 years of professional experience, preferably in retail risk management. Experience in banking, accounting, finance, reporting, or data analytics will also be considered.
Strong expertise in financial analysis and handling large datasets.
Solid knowledge of accounting, corporate finance, financial modeling, credit and banking products, credit analytics, risk assessment, and transaction execution.
Proven ability to analyze, prioritize, and deliver results under tight deadlines.
Excellent organizational skills, with the ability to manage multiple projects in a fast-paced environment.
Demonstrated accountability, self-motivation, and sound business acumen.
Hands-on experience with SAS, SQL, VBA, or Python, along with database management.
Proficient in data processing tools such as Microsoft Excel and Access.
Experience in decision tree development, predictive modeling, or scorecard design is a plus.
Fluent in English, both written and verbal.
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