Key Responsibilities
1.Credit Risk Modeling & Monitoring
Build and validate risk measurement models (PD, LGD, EAD, internal rating, customer behavior).
Conduct model performance monitoring and recalibration.
Participate in developing internal regulations related to risk models.
2. Risk Analysis & Reporting
Perform comprehensive risk assessments of lending portfolios (delinquency rates, roll rates, early warning signals).
Analyze impact of credit policies on portfolio performance and customer segmentation.
Prepare and present reports (Portfolio Quality, scorecard performance) in English.
Document methodologies, guidelines, and findings.
3. Data Management & Infrastructure
Develop and maintain data marts to support analytics.
Ensure data integrity through validation and cleaning.
Maintain clear documentation of data flows and transformations.
4. Team & Cross-functional Collaboration
Collaborate with business units to ensure effective model implementation.
Support junior analysts and contribute to team capability building.
Key Qualifications
3+ years of experience in risk analysis, data analysis, or related role (banking/consumer finance preferred).
Experience with unsecured lending products and credit analysis.
Proficiency in Python, R, SQL.
Strong English communication skills.
Bachelor’s degree or higher in Finance, Banking, Data Analytics, or Quantitative Economics.
FRM certification is a plus.
We would love to hear back from you! Send us an introduction of yourself along with your resume to: tuyendung@gimo.vn