Responsible for the identification, assessment, and mitigation of market risk, developing the market risk management policies and frameworks, setting risk limits for various financial instruments and portfolios, monitoring and adjusting risk limits in response to market conditions and institutional objectives.Managed the calculation and monitoring of ECL (Expected Credit Loss) reserves, ensuring accurate provisioning in line with accounting standards and regulatory requirements, adjusting reserve levels based on changes in credit quality and macroeconomic factors.Conducted thorough reviews of personal loan applications, verifying that all documentation was compliant with regulatory guidelines and internal policies, applying a risk-based approach to approve high-quality loans and minimize default risks.Led the preparation and submission of RESL (Real Estate Secured Lending) reports to supervisor, collaborated with cross-functional teams to gather, validate, and analyze the required data from various loan portfolios, ensuring full compliance with regulatory reporting requirements.Coordinated the end-to-end data collection, analysis, and report preparation for ICAAP (Internal Capital Adequacy Assessment Process), quantifying the institution's capital requirements, integrating risk-weighted assets calculations, stress testing results, and macroeconomic forecasts, offering actionable insights to guide strategic decisions related to risk appetite, capital planning, and growth targets.Managing the Enterprise Risk Management Framework, developing the institution’s Risk Appetite Framework and a standardized risk taxonomy, establishing a RACI matrix to define roles, producing Enterprise Risk Management Report regularly.Led stress testing exercises, utilizing scenario analysis and sensitivity testing to simulate adverse scenarios and assess their potential impact on the institution's balance sheet and capital adequacy.

Forecasted macroeconomic trend and conducted researches for target investment areas.Conducted fundamental analysis and built financial models for valuation towards three. proposed projects in high-end equipment industry, met with top management of companies, tracked progress and reported material issuesDesigned investment strategy and structure as GP for a private equity fund cooperated with a listed company and provided operation support to both internal and external teams during business conferences.Conducted sensitivity analysis of real estate projects on Excel, focused on key ratios (gross margin, net profit margin, etc.) under different situations.Managed operations of a SPV for factoring business in refined oil industry, developed financial models to record every transaction by using Excel (VBA).

Assisted investment banking department to prepare bond prospectus, conduct financial analysis, identify significant risk factors and inspect credit-rating report.Engaged in administration tasks including managing office equipment, booking meetings, arranging travel, printing documents and distributing mail.