Công Ty TNHH MTV Quản Lý Nợ Và Khai Thác Tài Sản Ngân Hàng TMCP Quốc Tế Việt Nam

Mô tả Công việc

Role Objective: To manage and optimize the retail lending portfolio (mortgage, auto, business loans) through data-driven credit analysis, customer behavior insights, product performance monitoring, and providing strategic recommendations to improve pricing, risk, and distribution effectiveness.

Key Responsibilities:

1. Portfolio Management & Financial Performance

Monitor and analyze NIM, ROE, CIR, conversion rates, and delinquency trends by product line

Recommend improvements to product pricing, features, and conditions based on real-time portfolio data

Assess the potential impact of new policy or product initiatives on existing and future portfolio health

2. Customer Segmentation & Behavioral Analysis

Segment customers by credit profile, borrowing needs, payment behavior, and price sensitivity

Build Customer Lifetime Value (CLTV) models and re-loan behavior forecasts

Provide ongoing data insights to Product and Go-to-Market teams to enhance product relevance

3. Portfolio Risk Monitoring & Early Warning

Develop and maintain Early Warning Systems (EWS) to identify at-risk segments or behaviors

Collaborate with the Risk team to assess portfolio quality by region, channel, and product

Analyze root causes of loan dropouts, delinquencies, and recommend corrective actions

4. Reporting & Dashboard Management

Develop and maintain real-time dashboards on portfolio performance

Collaborate with Data Engineering to ensure input data integrity and accuracy

Present analytical findings and strategic insights to senior leadership on a regular basis

5. Strategic Pricing Analysis

Build risk-based pricing models tailored to segment, region, and credit profile

Support Product Development in designing dynamic pricing frameworks

Evaluate campaign performance from a profitability and sustainability perspective

Yêu Cầu Công Việc

1. Education & Experience

Bachelor‘s degree or higher in Finance, Economics, Data Analytics, Quantitative Economics, or related fields

At least 5 years of experience in credit portfolio management, financial analytics, or lending BI

Preferably experienced in digital banking, fintech, or managing portfolios worth over USD 1 billion

2. Technical Skills

Proficiency in BI tools such as Power BI, Tableau, SQL, or Python for large-scale data analysis

Strong business acumen with a solid grasp of financial modeling

Deep understanding of key lending KPIs: NIM, ROE, PD/LGD, CIR, LTV

Bonus: Familiarity with behavioral analytics and dynamic pricing models

3. Soft Skills

Excellent data storytelling and presentation skills

Strong cross-functional collaboration (Product, Risk, Sales, IT)

Proactive, structured thinker with an action-oriented mindset