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.