Risk Management Manager

Job Overview

• Job title: Risk Management Manager (Open Manager - Head of Risk)
• Direct Manager: CEO
• Working Location: Lottery Tower, 77 Tran Nhan Ton, An Dong Ward, HCMC

Established in 2019 as Vietnam's pioneering Buy Now, Pay Later provider, Fundiin is evolving into a data-first, AI-native platform for financial services in 2026. Fundiin partners with leading banks and financial institutions to orchestrate and optimize the distribution of a wide range of products – from BNPL and personal loans to credit cards – through a single, seamless app.

Leveraging proprietary data and AI-driven decisioning, Fundiin matches consumers with the most relevant offers, improving approval rates, user experience, and partner performance. By delivering a fully digital, end-to-end journey, Fundiin enables millions of users to access financial products with greater clarity, confidence, and control.

Job Summary

We are looking for a Risk Management Manager to lead Fundiin's credit risk function across BNPL, car loan and personal loans, and give its financial institution (FI) partners the risk evidence they need to fund and share risk on Fundiin's volume.

Key objectives:

• Optimize risk-adjusted growth: Develop and manage risk strategies that achieve the right balance between approval, portfolio quality and risk-adjusted profitability.
• Manage credit risk: Own the end-to-end credit risk framework covering underwriting, credit policy, scoring, limit setting, pricing, monitoring, early warning and debt reminder strategy.
• Protect the platform's FI partners and customers: For the platform model, ensure Fundiin's matching, eligibility and risk framework helps connect customers with appropriate financial products while meeting each FI's risk appetite, policy and regulatory requirements.
• Build scalable, data-driven risk capabilities: Advise the Data & AI team on key features for credit scoring models and collaborate with the team to automate monitoring and risk analytics.

Accountabilities

• Risk strategy and appetite: Set risk appetite, loss budgets and limits by product, channel, dealer and partner; stress-test the business plan and show leadership the trade-offs between approval, pricing and loss.
• Credit policy and underwriting: Build and maintain credit policy, underwriting rules, cut-offs and exception approvals; set standards for manual review and verification; test each change, get leadership sign-off and track results after launch .
• Limits and pricing: Own income estimation and one credit limit per customer across all products; advise on risk-based pricing.
• Scoring and decisioning: Use credit scores from the Data team to set policy rules and cut-offs, and check how scores perform against portfolio results; increase auto-decisioning and reduce manual reviews. The Data team builds and monitors the scorecards.
• Portfolio monitoring and early warning: Track funnel, approval, DPD, roll rates, vintage and losses by product, channel, dealer and partner; set early-warning triggers; find root causes and drive fixes.
• Debt reminder strategy: Design debt reminder strategies by delinquency stage with Operations and track their effect on roll rates and recoveries.
• Portfolio improvement: Raise approval without higher loss through segmentation and policy tuning.
• FI partner matching and eligibility: Design matching and eligibility rules that send each customer, including those declined by one lender, to the most suitable product and FI within that FI's risk appetite, policy and regulations; advise partners on credit policy and give their credit committees the risk evidence they need to fund and share risk .
• Data and analytics enablement: Advise the Data & AI team on features for credit scoring models and work with them to automate risk monitoring and analytics.
• Risk reporting and compliance: Define risk metrics and risk cost; ensure policy and data use comply with SBV regulations and personal data protection law; report to BOM monthly.

Qualification & Experiences

• Bachelor's degree in Statistics, Mathematics, Finance, Economics or a related field; Master's or FRM/PRM is a plus.
• 7+ years in credit risk at banks, consumer finance companies or digital lenders in Vietnam, including at least 3 years in credit policy or portfolio management.
• Hands-on ownership of credit policy and portfolio performance for unsecured lending (BNPL, personal loans, credit cards); auto or other secured lending experience is a strong advantage.
• Solid knowledge of PD/LGD/EAD/ECL and CIC, PCB, FCBV and alternative data, and able to use credit scores built by the Data team in policy and cut-off design.
• Experience working with bank or finance-company credit committees on risk-sharing, forward-flow or co-lending structures.
• Good understanding of SBV regulations for consumer lending and VAS provisioning.
• English is preferred.

Required Capabilities & Skills

• Strong analytics: SQL and Python or R, and dashboards in Power BI, Tableau or similar.
• Sound judgment on growth versus loss, and able to defend each policy change with numbers.
• Clear communication with leadership, partners and credit committees, and able to work closely with Product, Data, Technology, Operations, Accounting and Partnership.