Senior Portfolio Analytics and Reporting Executive

OBJECTIVES:
Analyze, develop, and implement risk strategies to optimize business performance
Monitor and evaluate the effectiveness of risk strategies, and recommend continuous improvements to enhance risk management effectiveness
Ensure compliance with internal policies and legal regulations related to risk management
MAIN MISSION AND RESPONSIBILITIES:
Formulate, implement, and optimize end-to-end credit underwriting and customer filtering strategies across various acquisition channels using advanced risk segmentation tools
Optimize the risk-return trade-off matrix by maximizing approval rates, maintaining risk losses within risk appetite, and minimizing underwriting and data query costs
Design and maintain robust rules covering credit history criteria, fraud indicators, and deduplication mechanisms to improve applicant screening effectiveness
Develop sophisticated strategies such as decision trees, scorecards, and clustering by integrating internal data with credit bureau, alternative data, and income proxies to define optimal cut-offs and risk tiers
Establish dynamic credit limit and exposure management strategies across portfolio segments and experimental programs
Execute A/B testing, Champion–Challenger, and Placebo frameworks to evaluate multiple concurrent strategies across different approval funnel stages
Analyze large-scale datasets to identify portfolio blind spots and uncover growth opportunities or necessary policy tightening actions
Monitor, evaluate, and present strategy performance to senior management, providing actionable recommendations and root-cause analyses
Collaborate closely with Modeling and cross-functional teams to translate statistical outputs into high-performing risk strategies
Maintain strong business acumen to ensure risk strategies remain competitive while safeguarding the company’s profitability
Act as a data analytics expert in integrating and leveraging diverse data sources for risk management purposes
Conduct ad-hoc analysis and strategy simulations to support business decisions when required
A. Knowledge & Experience:
Bachelor’s degree in Data Science, Statistics, Mathematics, Financial Engineering, Management Information Systems (MIS), Banking, Economics, or related quantitative fields
Minimum 2 years of experience in risk strategy, credit policy, or portfolio management roles within fintech companies, consumer finance companies, or retail banks
Experience in evaluating and integrating alternative data sources such as Credit Bureau/CIC, Telco data, and alternative income data into automated credit decisioning systems
Fluent in English, especially in writing skills
Deep knowledge of financial products, credit processes, risk policies, and related operational systems
Strong foundation in probability, statistics, and experimental design, including A/B testing, hypothesis testing, and sampling methods
Strong hands-on experience with Python for data analysis, strategy simulation, and predictive model behavior analysis is highly preferred
Proficiency in SQL for data extraction, transformation, and optimization on large datasets is a plus
Proficient in MS Office applications, including Excel, Word, and PowerPoint
B. Skills & Competencies
Effective communication and presentation skills across leadership levels and cross-functional teams
Exceptional data analysis and strategic thinking capabilities
Knowledge and application of compliance regulations related to risk management and customer data governance
Strong business acumen with the ability to translate complex risk metrics into commercial competitive advantages
Proactive, detail-oriented, and eager to learn, with the ability to bridge technical risk frameworks and business objectives
Ability to manage performance and foster accountability and proactivity within the team
REASONS TO JOIN SHBFINANCE:
Dynamic & Open Working Environment
Work alongside friendly and supportive colleagues who value individual growth and development
Monday–Friday working schedule (40 hours/week) with a 1.5-hour lunch break
Modern open workspace equipped with the tools and resources needed for success
Competitive Compensation & Benefits
Competitive compensation package with regular salary reviews, offering up to 14 months of annual income
Lunch allowance and other work-related benefits
Competitive annual leave policy, including 1 fully paid birthday leave
Comprehensive healthcare insurance coverage
Company trips and annual team-building activities
Career Growth Opportunities
Career development guidance and support from experienced managers
Opportunities to participate in projects with local and international partners
Continuous capability development through training programs, learning support, and knowledge-sharing activities
Ngành nghề: Ngân hàng, Tài chính / Đầu tư
Kinh nghiệm: 2 Năm
Cấp bậc: Nhân viên
Hình thức: Nhân viên chính thức
Địa điểm: Hồ Chí Minh