Role overview: Risk Management Specialist - Unsecured Lending Product will play a key role in assessing, managing, and optimizing credit risk, fraud risk, and portfolio performance for unsecured lending products. This position is responsible for implementing credit risk policies, enhancing credit scorecards, improving risk-adjusted pricing models, and ensuring compliance with regulatory requirements. Working under the Risk Management Team Lead – Unsecured Lending, this person will analyze loan portfolio trends, monitor risk metrics, and support the development of risk mitigation strategies to ensure the sustainable growth of VietinBank’s unsecured lending business.

1. Credit risk management & policy implementation

● Assist in developing and refining risk management policies and credit underwriting criteria for unsecured lending.

● Continuously review, analyze, and adjust credit approval guidelines to balance risk and business objectives.

● Collaborate with data analytics teams to optimize credit decision engines, credit scoring models, and loan approval workflows.

● Ensure risk policies align with SBV regulations, Basel guidelines, and VietinBank’s internal risk governance framework.

2. Loan portfolio monitoring & risk reporting

● Track key risk indicators (KRI) such as delinquency rates, non-performing loans (NPL), and loan default trends.

● Analyze loan portfolio performance and provide regular reports on credit risk exposure to management.

● Identify early warning signs of credit deterioration and support proactive risk mitigation efforts.

● Assist in preparing risk reports for internal reviews and regulatory submissions.

3. Fraud prevention & risk control

● Support the implementation of fraud detection tools and risk control mechanisms to prevent financial fraud.

● Monitor customer behavior and transaction patterns to detect potentially fraudulent activities.

● Work with operations and compliance teams to strengthen fraud prevention policies.

4. Compliance & regulatory support

● Ensure all risk management activities comply with SBV regulations, Basel standards, and internal policies.

● Assist in risk audits and regulatory reviews, ensuring full compliance with banking risk standards.

● Work closely with the legal and compliance teams to stay updated on regulatory changes affecting unsecured lending.

5. Collaboration & stakeholder engagement

● Work closely with the Risk Management Team Lead, Product, Business, and Data teams to align risk policies with business objectives.

● Collaborate with external partners such as credit bureaus and fraud prevention agencies to enhance risk assessment capabilities.

● Provide support in stakeholder discussions on risk-related matters and contribute to risk policy refinements.