Duties & Responsibilities

• Make Credit Risk assessment for all loans in all Hana branch offices give approval.
• Analyze financial data (cash flow) regarding loan requests for new, renewal and existing loans.
• Highlight all risks and make risk mitigation strategies recommendations including proposing of conditions and covenants.
• Report loan approval to Credit Committee with loan decision details.
• Consult Credit Advisors and Regional Risk Officers for necessary advice on correctness of credit assessment.
• Maintain a balance between the risk and business requirements while assessing the loan application.
• Monitoring daily collection checking and Delinquent Client Follow up Action.
• Track, report, follow up and help manage delinquencies in all Hana branch offices.
• Track, monitor, maintain and report the Hana loan portfolio quality Manage PAR (portfolio at risk) for each branch.
• Analyze all information related to risk and draw conclusions and propose appropriate countermeasures.
• Participate with all department meeting daily based and make suggestion with risk perspective.
• PAR prediction for monthly financial statement based on aging band.
• Daily solving the client’s complaints from all over the country via call center hot line and Facebook messenger and hotline email.
• Develop and execute Fraud prevention and investigation.

Requirements

• 4 years of proven risk management experience.
• Strong analytical problem solving and project management skill.
• Clear understanding of financial, operational, and compliance risks affecting Microfinance activities.
• Must have excellent organizational skills and be detail-oriented.
• Excellent skill in spoken and written English.
• Excellent time management skills.