The posting
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.



