Key Responsibilities
- Do credit assessment of new and existing SMEs borrowers:
+ Verify documents, fraud detection, site visit;
+ Assess legal status, check and evaluate the validity and legality of the loan;
+ Analyze and evaluate business situations, financial capacity (ratios and cash flow) of customers; + analyze the efficiency of the business, the reasonableness of determining capital needs, assessing risks in debt management;
+ Propose for loan decision making
- Other task to perform KYC for onboarding clients, detailed checking of invoices against supporting documents.
- Develop thorough understanding and document the end-to-end process of our clients – from work tendering to receiving payment from buyer
- Establish and continually update fraud detection framework
- Perform analysis of provided documentation to discover trends to drive credit/sales decisions
- Other tasks as required
Desired skills & Knowledge, Competencies requirement:
- Bachelor’s Degree in Finance / Accounting Banking or relative field
- MBA is an advantage
- Minimum 5 year experience in Fintech/Financial services or relevant industry areas, and 5 years experience in SME lending
- Possess deep knowledge of invoicing procedures and its various permutations across different industries
- Have strong experience in fraud detection
- Meticulousness and integrity are non-negotiable prerequisite
- Have strong business acumen and excellent communication in Vietnamese and English
- Have strong Problem solving skill, ability to handle complex situations.
- Must be Open minded, well-connected, good interpersonal skill and adapt to change
- Desire to success and overcome challenges, work under high pressure
- Result-oriented, well-organized & enthusiastic
