Khối Quản lý rủi ro, Hội sở - CVCC Chính sách rủi ro tài sản bảo đảm

Role Purpose:

- Own and govern the bank's collateral risk framework across retail and wholesale lending, ensuring collateral policies are sound, up-to-date, and effectively translate market realities into practical risk controls.

- Translate collateral risk appetite and market signals into clear policies covering acceptance criteria, valuation methodology, LTV standards, and appraisal authority — while collaborating closely with Credit Policy, Appraisal, and Collections to build a comprehensive and consistent approach to collateral-backed lending.

- This role is expected to take a proactive, analytical view of collateral risk and actively drive improvements to the collateral framework as markets and portfolios evolve.

Key Responsibilities:

1. Collateral Appetite & Acceptance Policy

- Define and maintain the bank's collateral acceptance framework — what types the bank will and will not accept as security

- Establish and periodically review criteria for eligible vs. ineligible collateral, including specific exclusions or restrictions by product, customer segment, or risk tier

- Ensure collateral policies are clearly documented, practical to implement at origination, and consistently applied across channels

2. Collateral Ranking & LTV Policy

- Develop and maintain the collateral ranking methodology, reflecting relative quality, liquidity, and enforceability of different collateral types

- Set and review Loan-to-Value (LTV) policies anchored to collateral ranking tiers, ensuring they appropriately reflect market risk and portfolio objectives

- Conduct periodic LTV reviews triggered by market movements, portfolio performance, or regulatory changes

3. Appraisal Governance

- Define appraisal authority frameworks — which unit (internal appraisal, external vendor, or branch) has authority to appraise depending on collateral type, loan size, and purpose of appraisal

- Work with the Appraisal team to develop and improve appraisal methodologies for different collateral classes (real estate, vehicles, machinery, financial assets, etc.)

- Ensure appraisal standards are consistent, defensible, and aligned with market practice

4. Portfolio Performance Analysis & Policy Optimization

- Monitor collateral portfolio performance — coverage ratios, forced-sale recovery rates, collateral concentration, and delinquency by collateral type

- Identify gaps and propose policy adjustments based on observed performance (e.g., tightening LTV for underperforming collateral classes, restricting certain collateral types)

- Conduct impact analysis to assess the effectiveness of policy changes on portfolio risk and approval flow

5. Market Intelligence & Policy Translation

- Track market trends relevant to collateral values — real estate cycles, vehicle depreciation, commodity prices, regulatory changes, and macro shifts

- Translate market signals into timely policy actions (e.g., tightening LTV or acceptance criteria for asset classes facing value decline, such as internal combustion vehicles)

- Maintain a forward-looking view of collateral risk, flagging emerging concerns before they materialize in portfolio losses

6. Cross-functional Collaboration

- Work with Credit Policy to ensure collateral requirements are embedded coherently within the broader underwriting framework — so both borrower and collateral risk are assessed in a unified, consistent way

- Work with Collections to develop and implement collateral-related recovery strategies, including collateral realization processes and priorities

- Collaborate with Business and Product teams to provide risk guidance on new products or market expansions that involve collateral-backed lending

- Present collateral policy changes and recommendations to senior stakeholders and credit committees in a clear, structured manner

7. Regulatory Compliance & Governance 

- Ensure collateral policies comply with SBV regulations and internal risk frameworks

- Maintain strong governance over collateral documentation — version control, approval workflows, and audit trail

- Support regulatory review and audit processes related to collateral valuation and policy

Experience:

- Minimum 3+ years in credit risk, collateral management, or a related function within banking

- Hands-on experience with credit policy, underwriting, or risk strategy

- Exposure to secured lending products (mortgage, auto, SME, or corporate lending

Technical Skills:

- Good understanding of different collateral types and their risk characteristics (real estate, vehicles, financial assets, etc.)

- Familiarity with LTV frameworks, collateral coverage analysis, and forced-sale/recovery dynamics

- Ability to interpret portfolio data and translate findings into policy rules

- Understanding of SBV regulations on collateral and secured lending

- Working knowledge of appraisal standards and valuation methodologies is a plus

Soft Skills:

- Strong analytical thinking with a practical, policy-oriented mindset

- Ability to synthesize market intelligence into actionable risk positions

- Comfortable working cross-functionally and managing multiple stakeholder relationships

- Clear communication — able to explain technical collateral concepts to non-specialist audiences

- Proactive, ownership-driven, and willing to challenge existing practices constructively