Prepare timely, comprehensive, and reliable credit risk reports on monthly basis, as well as for forecasting & planning with risk assumptions by evaluating portfolio statistics and presenting to local management and HQ.
Provide support on process and policy related to risk, as well as the pricing for new or existing product based on loss assumptions and product risk assessments.
Establish and review risk policies, guidelines, and procedures that will foster company's sales potential balancing with risk management goals.
Conduct annual validation both quantitatively and qualitatively on scorecard and risk parameters (PD & LGD) with performing recalibration if needed.
Vehicle residual value monitoring and analysis in proper presentation to steer the residual value risk and product. Provide support on auction price setting.
Maintain and analyze the risk monitoring report on active portfolio to review asset quality and perform various risk studies for risk steering and recommendations to Senior Management.
Review and analyze the delinquent portfolio to identify key factors and lessons on reducing or preventing bad debt losses.
Responsible for system projects to mitigate credit risk of credit portfolios. Manage various decision engines for consistent policy execution and operation efficiency.
