Khối Quản lý rủi ro, Hội sở - CVCC Phân tích danh mục tín dụng

Role Purpose:

- Support the development of portfolio risk management capabilities across the bank through portfolio monitoring, risk analytics, forecasting, early warning systems, risk reporting, and data management.

- Provide analytical insights that support risk appetite monitoring, portfolio performance assessment, and management decision-making. Contribute to the continuous enhancement of portfolio risk methodologies, reporting, and analytical tools.

- This role is suitable for candidates who want to build expertise in credit risk, portfolio analytics, and data-driven risk management across retail and corporate portfolios.

Key Responsibilities:

1. Portfolio Monitoring, Analytics & Risk Appetite Management

- Monitor portfolio performance across retail and corporate segments and identify emerging risk trends

- Prepare portfolio dashboards, key risk indicators, and regular management reports

- Support monitoring of portfolio risk appetite metrics and escalation triggers

- Conduct portfolio analyses to support business and risk management decisions

2. Risk Investigation & Corporate Portfolio Review

- Perform analysis to identify root causes of portfolio deterioration and adverse risk trends

- Support reviews of significant corporate exposures and portfolio vulnerabilities

- Analyze financial performance, industry developments, and customer risk migration

- Prepare portfolio review materials for management and risk committees 

3. Early Warning System Development

- Support the development and enhancement of portfolio-level and customer-level early warning indicators

- Monitor trigger performance and identify opportunities to improve detection effectiveness

- Assist business and risk teams in investigating early warning signals

- Contribute to improving early warning methodologies and monitoring processes 

4. Portfolio Forecasting & Stress Testing

- Support portfolio forecasting covering growth, delinquency, NPL, provisions, profitability, and other key portfolio indicators

- Conduct scenario analysis and what-if assessments under different business and economic assumptions

- Assist in portfolio stress testing exercises and interpretation of results

- Prepare analytical outputs to support planning and risk appetite discussions 

5. Data Infrastructure & MIS

- Develop and maintain portfolio risk reports, dashboards, and management information

- Support data quality validation and reconciliation across portfolio datasets

- Assist in automating portfolio monitoring and reporting processes

- Work with Technology and Data teams to improve portfolio data availability and reporting efficiency 

6. Analytics Innovation & Profitability

- Support validation and analysis of alternative data sources for portfolio monitoring

- Assist in developing customer-level and account-level profitability analytics

- Develop analytical tools, models, and reports to improve portfolio management effectiveness

- Identify opportunities to improve analytical methodologies and reporting efficiency 

7. Stakeholder Management

- Work closely with Credit Policy, Risk Modelling, Business Units, Finance, Technology, and Data teams

- Present analytical findings and portfolio insights to stakeholders

- Support policy enhancements and portfolio management initiatives through data-driven analysis

- Contribute to risk committee materials, portfolio reviews, and management reporting

Experience:

- Minimum 2–4 years of experience in credit risk, portfolio management, risk analytics, corporate credit analysis, or related areas

- Experience in portfolio monitoring, MIS, reporting, or risk analytics is preferred

- Experience with corporate credit analysis or financial statement analysis is an advantage

- Experience in banking or financial services is preferred 

Technical Skills:

- Good understanding of credit risk management and portfolio monitoring concepts

- Knowledge of portfolio analytics, forecasting, early warning frameworks, or risk reporting

- Good analytical and problem-solving skills

- Experience with SQL is preferred

- Experience with BI tools (Power BI, Tableau, or equivalent) is an advantage

- Proficiency in Microsoft Excel; experience with Python, R, or SAS is a plus 

Soft Skills:

- Strong analytical thinking and attention to detail

- Ability to interpret data and communicate analytical findings clearly

- Good communication and stakeholder collaboration skills

- Proactive, curious, and willing to learn new analytical techniques

- Ability to manage multiple assignments and meet deadlines