Credit Risk Policy - Partnership (Supervisor – Manager Level)
วันที่ : 21 Oct 2022Permanent
Risk Management
กรุงเทพฯ - เพลินจิต
Job Description:
- Organize risk monthly review, monitor acquisition quality against trigger, trend of acquisition risk profile, approval rate, reject rate, and cancel rate trend, analyze acquisition performance, recommend and implement risk actions to improve performance and/or opportunity for business growth while maintaining sound credit risk quality
- Prepare loss projection for operating plan (OP) and strategic plan (MTBP), ensure risk profile and business strategy reflected in the projection, review with collection team, reforecast, monitor actual performance against plan and trend
- Develop and implement change to credit risk policies, including underwriting policies, dealer & merchant policies, transactional approval authorities, analyze impact & quality of policy change, discuss proposal with related functions & management for approval, communicate changes before launching to relevant parties, implement changes via system user acceptance test, and monitor impact and result of changes
- Implement reserve policy thru model reserve, recommend monthly reserve, submit to relevant unit by timeline, and validate reserve adequacy against recent performance trend and thru economic cycle
- Review and set various parameters in relation to credit risk policy in the system and testing before implementation to ensure the policy is controlled correctly (i.e. transactional approval authority, min/max credit line, product category)
- Develop and implement merchant & dealer opening policy & process, communicate to related party before implementation, prepare annual policy review, and ensure compliance to policy thru audit
Qualifications:
- At least 1-5 years working experience
- Knowledge in data analysis and credit risk management are preferable
- Knowledge in law and regulation in relation to unsecured consumer finance products
- Analytical skill and logical thinking Advanced computer skill especially Microsoft Excel
- Proficiency in English both speaking and writing
- Presentation and communication skill
- Work under pressure and dedicated
- Can do attitude and learning mindset
- Ability to build good relationship with cross functional team and good team player
- Passion for excellence and customer centric
- Multi-tasking with ability to handle multiple assignments
Contact Information:
- Contact person: Khun Nataphan Wongprommoon 02-627-6395
- Emaiil: Nataphan.Wongprommoon@krungsri.com
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