Expert, Retail & Small Business Banking Risk Policy and Strategy (40001488)

Key Accountabilities (2)

'2. Professional tasks:
- Design, build and systematize the retail credit risk policies reasonably to meet business needs, long-term plans and new market trends, as well as in line with risk management framework;
- Develop and customize base solutions: risk management methods/ models/ rule base/ advanced practices;
- Own the process of defining, testing and production release , of Champion challenger , test cell , and Model strategies within the respective decision support systems
- Line Of Business risk management: Credit Line Management
- Risk transfer strategy (ABS, MBS & Insurance)
- Implementation of retail risk management:
+ Define Target Market determination, Risk Segmentation strategy and building unsecured lending product programs based on agreed Risk Appetite
+ Risk Appetite Strategy and monitoring
+ Creator & Owner of Underwriting standards
+ Policy Conformance review
+ New Business campaign policy , Cross sell / Upsell and down sell campaign policy
+ Test cells and Champion Challenger strategies
+ Exception Policy and Underwriting
+ Down turn strategy and Management
- Receive/contribute comments to develop/adjust general policies of units related to retail & small BB credit.