Job Openings X99RYWRY | Head of Credit Risk

About the job X99RYWRY | Head of Credit Risk

Job Title
Head of Credit Risk – Vietnam (Consumer Finance / Cash Loan)

Location
Vietnam and Indonesia

Job Summary

We are seeking an experienced Head of Credit Risk to lead the end-to-end credit risk framework for our Vietnam/Indonesia consumer finance business.
This role owns credit strategy, asset quality, local compliance, data ecosystem, and risk team management, with full accountability for portfolio performance.

Key Responsibilities

  • Design, implement, and continuously optimize the end-to-end credit risk framework (pre-loan, in-loan, post-loan) for Vietnam/Indonesia cash loan / consumer finance products.

  • Lead local regulatory compliance and risk governance, ensuring alignment with SBV requirements and handling regulatory inspections and audits.

  • Manage and develop the Vietnam risk team, including goal setting, performance evaluation, and capability building.

  • Establish and manage relationships with local data providers, ensuring compliant data usage and continuous enhancement of risk data coverage.

  • Monitor and optimize core risk metrics (approval rate, NPL, fraud rate, portfolio quality), adjusting strategies in response to market and policy changes.

  • Build and institutionalize Vietnam/Indonesia-specific risk methodologies, including fraud patterns, risk segmentation, and decision frameworks.

Requirements

  • Bachelors degree or above in Finance, Economics, Statistics, or related fields.

  • 7+ years of experience in financial risk management, with at least 4 years in a Vietnam/Indonesia consumer finance / cash loan credit risk leadership role.

  • Proven experience leading credit risk for portfolios with cumulative disbursement VND 50 billion, maintaining strong asset quality.

  • Deep understanding of the Vietnam credit risk ecosystem, including CIC inquiry, anti-fraud data, and local regulatory requirements.

  • Hands-on capability in credit risk strategy and scorecard design; experience with risk systems or rule engines is a strong plus.

  • Experience managing teams of 5+ risk professionals.

  • Strong risk sensitivity, analytical thinking, and compliance mindset.

What We Offer

  • High decision-making ownership and visibility.

  • Opportunity to build Vietnam/Indonesia credit risk framework from the ground up.

  • Competitive compensation aligned with senior market benchmarks.


Or refer someone