Head, Hire Purchase Portfolio Management

Responsibilities:

• Develop, refine and update credit policy guide to be in line with the Bank’s business policy, changing business environment and complied with BOT’s regulations and other regulated entities and in conformity with best practices.
• Perform the independent asset quality monitoring role for retail portfolio in order to clearly identify and understand the respective portfolio’s risk drivers across relevant credit cycle.
• Provide risk analysis and reports of the risk profile to senior management on a periodic basis to allow them to actively monitor the risk profile with objective, reliable, timely and relevant information for appropriate action to be taken, if deemed necessary.
• Perform impact analysis arising from changes to regulatory guidelines as and when these are introduced. Such analysis is intended to facilitate a high level understanding of the resultant impact to the quality of affected assets within retail portfolio.
• Set, monitor and maintain/ revise of the Acquisition Quality Trigger (AQT) for retail portfolios. The AQT is to use as portfolio management tools to closely monitor acquisition vintage quality and can identify the issues at early stage. This tool is to determine risk appetite and generate sufficient returns.
• Review credit issues by providing comments and recommendation to credit underwriting criteria for new retail products and the revised credit underwriting criteria in existing retail product programs.
• Work with retail BUs to ensure that the respective loan origination system and the loan underwriting decision engine are effectively used and continuously optimized.
• Provide assumptions and perform the top-down Stress Test exercise and supply commentaries on the stress test results for retail portfolio.
• Provide comments and suggesting to Modeling Team for retail scorecard development.
• Provide recommendation and feedback in the collection strategy, productivity, and capacity plan areas. • Performs any other duties as and when assigned.

Qualifications:

• Bachelor degree or higher in a numerate/technical discipline ex. Engineering, Mathematic, Statistics, Computer Science, Economics, Business Administration, Finance, Accounting, Science
• Good command of English and Thai both written and spoken
• Knowledge of risk management in the banking or finance related industry.
• Relevant Work Experience in Retail Credit Risk
• Technical/Functional skills o Acquisition and Portfolio Management Analytics o P&L Analysis o Credit Risk Policy o Analytical skill o Data Skill
• Experience in using Microsoft-Excel
• Experience with data analytics tool such as QlikView and Tableau is a plus