Senior Credit Management
Finance / Accounting Risk Management Portfolio Management Credit management
Salary
Location
Benefits
13th month salary
Performance bonus
Travel/company trips
Yearly salary review
Other benefits
Job Overview And Responsibility
Advance Vietnam is hunting for a sharp-eyed Senior Credit Management who can spot trouble long before it reaches the balance sheet. Reporting straight to the Country Head, you’ll own the credit‐risk playbook—designing rigorous, data-driven underwriting standards, challenging weak proposals, and safeguarding our SME portfolio while still pushing for sustainable growth. Credit policy for Vietnam market 1. Design policies, workflows, covering the entire loan lifecycle: underwriting, approval, disbursement, monitoring, and recovery. 2. Update the framework regularly to reflect the firm’s risk appetite, regulatory changes, and NPL targets. Underwrite & Approve Applications 1. Independently review credit proposals from Business Development, ensuring every deal meets risk standards. Portfolio Monitoring & NPL Management 1. Build a report system to closely track the financial health of existing borrowers, spot early-warning signals, and launch preventive actions (restructuring, early collection). 2. Own the company-wide NPL target; report promptly to the Country Head and recommend corrective measures. Cross-Functional Coordination & Risk Culture 1. Serve as the key link with Business Development, Customer Success - CS and IT to keep credit processes seamless. 2. Manage risk-related projects coordination with other team members
Required Skills and Experience
1. Business and Financial Analyst: Ability to conduct comprehensive assessments of SME financials, cash-flow volatility, and collateral strength—applying both quantitative models and qualitative judgment to propose approval decision base on independent thinking and reasoning. 2. Data analyst and reporting: Skill in setting and monitoring NPL targets, detecting early-warning signals, modelling loss-given-default scenarios, and executing restructuring or recovery strategies to safeguard profitability and capital adequacy. 3. People Leadership & Coaching: Competence in recruiting, coaching, and mentoring Credit Officers / Analysts, fostering a high-performance culture where every team member understands and adheres to credit-risk principles. 4. Project management: Ability to proactively lead credit-related projects such as portfolio reviews, policy updates, or system enhancements; ensuring timelines are met, cross-functional coordination is effective, and risk management direction is followed. 5. Integrity & Transparent Communication: Unwavering commitment to timely, unvarnished reporting of risk issues, ensuring leadership receives an accurate picture for strategic decision-making and capital preservation.
Why Candidate should apply this position
1. Flexible Work Options: Employees can work from home (WFH) up to 3 days per week, promoting a healthy and sustainable work-life balance. 2. Comprehensive Insurance Coverage: ● Nearly 100% of your actual salary is used as the base for social insurance contributions. ● PTI private insurance is provided for both employees and one family member, ensuring greater peace of mind. 3. Annual Leave: Enjoy 15 days of annual leave per year to rest, recharge, and pursue personal interests. 4. Investment in Learning & Development: ● We actively sponsor training programs to support the development of professional expertise and soft skills. ● Employees are encouraged and financially supported to explore and apply new tools, especially those related to GenAI, to optimize and innovate work processes. 5. Reward Points Program: Earn reward points that can be redeemed for food, coffee vouchers, and other delightful perks. 6. Workplace Engagement: Participate in monthly engagement activities and exciting annual company trips, fostering a dynamic and connected work environment. 7. Additional Attractive Benefits: Other benefits and perks will be discussed in more detail during the interview.
Preferred skills and experiences
6. Communication skill: Communicate with: client/ internal/ direct manager
Report to
Country Head of Advance Vietnam
Interview process
1 test round and 1 round (offline) with Country Head
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