Manage team of underwriters and validators (checking credit card conditions and all required documents of application). Monitor daily operations to ensure a free flow process, and also supervise the execution of daily tasksCollaborate with other departments such as risk, product, IT... to complete the procedure for UW and ValidationIdentify and report suspicious fraud trends to risk managementComplete shift-wide projects that aim to increase productivity, quality, or other KPIControls the performance of underwriters, the decision-making processEnsure operational and risk KPI fulfillment on application processing Assists credit underwriters to verify the accuracy of information received and calculations made during the financial analysisAssess clients applications in extremely difficult casesPropose changes and improvements to the existing process to achieve maximum efficiency in the decision-making processAssessment of the underwriters and providing of systematic feedback to subordinate personnelResponsible for training of subordinate personnel, as well as loan officers in matters of financial analysis and document checking of the clientsWork with vendors and perform testing the qualities of their solutionsPerform post-checking of cases where the card is automatically issued by the system, during the temporary processing of fraud and ineligible cases that have not been detected by the vendorsOther tasks assigned from the Manager

Manage team of document & policy checkTeaching team members how to identify and evaluate customer information through skills in detecting author documents and KYC. Helping underwriters review applications, establishing appropriate screening protocols, and developing new methodologies and models to assess the financial risk that company assumes in the course of its transactions with clients.Set monthly KPI for every members and create daily report to promptly monitor the group's situation and take motivational measures.Ensure smooth and efficient interaction between sales, underwriting, operations and portfolio managementCoordinates with Risk, Anti fraud, Legal, and Compliance to ensure timeliness and effectiveness of risk recognition activities within loan portfolios. Developing, managing, revising and proposing Credit PolicyCoordinates with Customer Service to monitor loans post close, including providing oversight of maturing or past due loans, reviewing and responding to loan specific inquiries or issues. Making risk and strategic recommendations to management, ensuring consistent and appropriate portfolio monitoring activities occur in a timely manner trend analysis and research. Performing statistical analysis, finding out fraud trend and proposing new rule to detect/prevent fraud;Performing a risk assessment: Analyzing current risks and identifying potential risks that are affecting the companyCoordinate with relevant departments to set up new automated tools for internal use (Allocation Assigned Tool, Auto Dedupe Tool, Product Offer...).Collaborate with partners to implement and develop product-related systems (CRM...) help to reduce loan application TAT processing .

Manage a team of 15-20 people Responsible for training and supervising of underwriting sta. Assists in training other line sta.Responsible for overseeing and supervising the underwriting of loans ensuring balance between growth objectives and credit quality objectives of the company. Supervises employees by setting and assessing performance goals and establishing work schedules and priorities. Responsible for ensuring that the employees comply with required laws and regulations of company Update and upload on system new rules for underwriting ocers to comply Contact with Risk department to edit new rules when detect mistakes from new rules Answer Email from BDS/RSM when sales department need to help. Review contracts when have complain from customers and report about them for manager Investigate in cases when detect Credit underwriting ocers who did not comply rules of department and company or suspect customers were fraud Support Credit underwriting ocers to solve hard problems. Support QA department to control Quality of calls to improve quality customer service Support security department to detect fraud from customers, SI/BDS of sales department or Credit underwriting ocers Recommends new policies and procedures to improve overall operations. Performs other duties as assigned.