X99RYWRY | Head of Credit Risk (San Diego)

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.