Assistant Manager, Retail Lending Operations Toàn thời gian

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13th payment
Premium Healthcare plan for you and your dependents
18 days full paid leave a year

Mô Tả Công Việc

Strategy
• Responsible for developing the processing and support strategy applicable to each product to ensure that it is in line with the overall Retail Banking and Wealth Management Operations strategy and that meets the needs of the individual product

Business
• To continuously challenge and improve current process to reduce TAT and increase productivity
• To perform any assignments that may be required from time to time.
• Identify and drive change to processes to improve productivity and standardization.
• Responsible for the collective performance of the in-country Operations functions supporting the relevant product against the agreed performance and risk metrics and the associated thresholds.
• Active to participate in lending operations related new projects, new business services launching.


Processes
• To perform operations of retail lending ops business capabilities (personal loans, mortgage loans)
• To continuously drive change and improve current processes to reduce Turn Around Time and increase productivity
• To back up and perform any assignments that may be required from time to time.
• Dealing with stakeholders for ongoing management of customer and business issues, new product launches and other lending operations issues from time to time.
• Perform end-to-end lending operations processes in compliance with Group and Local policies, Operational Procedures, e.g quality documents checking, disbursement, loan maintenance, collection, reporting under agreed timelines and no operational loss occurrence.
• Active to participate in retail lending related new projects, new business services launching.
• Build and maintain a strong relationship with existing customers.
• Assist Unit Head in over-all risk management of the unit and represent unit in necessary discussion with stakeholders/clients

People and Talent
• Complete all mandatory learning as assigned by Group
• Self-motivate, train and develop to achieve high quality service to clients and avoid errors


Risk Management
• Ensure no surprises culture – no failed audits, no operational loss.
• Manage the maintenance of operational integrity throughout the unit.
• Proactively monitor and manage operational risks; system risks and channel risks of the products and highlight any potential and actual breakdown of controls to Unit Head, Retail Lending Ops.
• Responsible for the identification, escalation, management and mitigation of all aspects of risk in accordance with all relevant products at Group product level policies.
• Follow up to ensure all reported risks have been eliminated.
• Ensure products & services are delivered in compliance with local Regulatory Requirements.
• Ensure approved generic Product Program and their corresponding Country Addendum are in place before any product is accepted for implementation. Refer any instances of non-compliance to Unit Head, Retail Lending Ops to follow up.


Governance
• Accountable for defining a Risk Management methodology and the end to end control environment for each product line that ensures compliance with applicable internal policies and practices as well as external regulations and laws.
• Ensure that the Unit meets the service levels.
• Ensure controls are efficiently and effectively exercised in order to prevent frauds and losses.
• Actively managing and monitoring performance against defined Key Risk and Performance Indicators at the consolidated product level.
• Accountable for defining the control environment for ensuring that the Operations’ functions supporting each product act within the applicable internal policies and procedures, as well as external regulations and laws, in respect of money laundering and fraud.

Yêu Cầu Công Việc

• University degree at least.
• Experience requirement: 5 years product and/or operations experience in Retail Lending Operations
• Good knowledge of lending product, general knowledge of retail banking product.
• Good communication both in English and Vietnamese
• Good knowledge of bank operational procedures and local regulations requirement.
• Customer service skill and issues handling skill.
• Computer/PC skills excellence
• Self-motivated

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