Prudential Vietnam Finance Company

1/ Role Purpose:
- This position will be mainly responsible for conducting and managing all the sales governance initiatives, by cross
functional check to identify and mitigate the risk exposure of the sales force.
2/ Key Accountabilities
- Continuously reviewing, monitoring and implementing specialized triggers for sales force to detect fraud trend.
- Conducting in-depth investigation upon findings through data review to detect actual fraud incidents.
- Conducting independent field check any suspicious incidents on the requirement basis.
- Communicating with relevant departments of fraud incident outcomes and handling the case from the start to
the end process.
- Proactively liaising with law enforcement agencies and government offices to ensure the company maintains
sound relationship with those external contacts in an appropriate manner to gain maximum support during fraud
handling.
- Properly taking preventive action based on the findings to effectively protect the Company from any
foreseeable or potential damage.
- Assisting team members and Fraud Prevention Manager in daily tasks.
- Performing ad hoc task as per business requirements.

* Job Summary
The key purpose is to handle underwriting by face-to-face interview with customers, ensure the application and attached documents comply with company credit policy and recommend to line manager for final decision.
Maintain the assigned portfolio to meet KPIs and offer best customer service to customers. The role reports to Branch Manager. As the business grows and matures, the person in the role could be promoted to take bigger responsibility in other Credit functions such as Credit Operation or even in Branch itself.
* Job Accountabilities:
Your main accountabilities will include but not be limited to:
• Arranging face-to-face interview or tele-interview with customers – Making appointment with assigned customers, guide customers what need to be prepared for a productive interview. Checking the documents against the originals, ensure the file is in line with company credit policy;
• Budget analysis process and underwriting – Perform budget analysis with customers, ensure all related factors have been taken into account and comply with company credit policy. Use common sense and owned experience to find out the facts that could help preventing frauds;
• Customer service – To ensure all procedures, documents are well prepared for customer to sign if the application is approved. Remind customers of key responsibilities and well handled all related questions from customers; and well handled all related questions from customers;
• Maintaining customer portfolio – Managing whole portfolio of customers who have been interviewed by this role and approved afterward. Ensure all related KPIs are met.

Department : Legal & Compliance
Location : HCMC
Report to : CEO
Subordinate : 4 direct reports
Job Summary
This job is responsible for directing all of the Legal & Compliance function including Legal, Compliance, Operational Risk and Internal Control to ensure strict compliance with the policies and practices of the Corporation, and regulations of local authorities.
Key Accountabilities
1. Develop and implement an effective Risk and Governance framework across Consumer Finance Business and all functions.
2. Ensure effective balance between the competing interests of different stakeholders, whilst complying with all laws and regulations applicable to Prudential Finance.
3. Maintain oversight of the risk management framework through proactive co-ordination with External Auditor, Group Wide Internal Audit [GwIA], Regional Compliance & Ops Risk teams.
4. Establish and maintain close working relationships to ensure alignment of all parties in delivering Company’s strategy and business growth; understand key activities and ensure controls are implemented in a practical way that meets regulatory and internal business requirements; update relevant parties on important governance issues.
5. Engage and regularly update Unit Operational Risk Managers from the Business and Functions to ensure they are fully aware of the issues/risks, and fulfilling their roles properly; Complement the Compliance and Risk Management functions by counseling and advising on matters relating to regulations as well as the Group core values;
6. Internal Control: lead the team in:
- Planning and performing independent internal control reviews on the functional operations by reviewing the current processes, assessing their compliance with local/group regulations & their effectiveness, providing suggestions to improve any weaknesses loopholes,
- Quality reviews conducted, using all available information, data sources, i.e. Risk MI (management information), incident reporting, previous review reports, peer review reports etc
- Recommending changes to processes & procedures;
- Following-up to ensure all corrective actions are implemented completely
- Reviewing regulatory compliance issues and conduct regulatory compliance checks according to the audit plan to ensure the company operate in line with local regulations and Group policy.
- Preparing respond to external audit findings (KPMG, SBV, GROUP) with regards to PVFC operations.
- Reviewing regulatory issues and setting up new compliance checks;
7. Be the Information Risk (IRS) Sponsor/Data Privacy Sponsor (DPS) who ensures that the Business meets the requirements of the Group and PCA Information and Privacy Risk and IT Security policies, principles, and reporting requirements.
8. Managing people
Evaluation of the dept and team plan for continual improvement of the efficiency and effectiveness of the team as well as providing individuals with professional and personal growth with emphasis on opportunities (where possible).
9. Others
- Provide technical advice and knowledge to others within the human resources discipline
- Assess and continue improving the effectiveness of governance practices

Department : Branch Network
Location : Nha Trang, Quy Nhon, Nam Dinh, Thanh Hoa
Report to : DTH Manager(s)
Job Summary
The key purpose is to perform KYC on customer information (identity, financial, residence) at loan closing stage or prior to underwriting (ie loan discussion and offer) by RO (based in HCM, HN or Danang) to prevent identity theft and possible defaults. KYC is conducted either face to face or via phone.
Maintain the assigned portfolio and offer best customer service to customers. The role reports to DTH Manager. As the business grows and matures, the person in the role could be promoted to take bigger responsibility in Branch Network or other departments of the business as relevant.
Carry out other support tasks as assigned by DTH Manager.
Key Accountabilities
1. Perform KYC activity at loan closing stage or prior to underwriting;
2. Customer service – To ensure all procedures, documents are well prepared for customers to sign loan contracts if the application is approved by underwriter and approver. Remind customers of key responsibilities and well handle all related questions from customers.
3. Maintaining customer portfolio – Managing whole portfolio of customers who have been KYC’ed by this role (and approved afterward). Ensure all assigned KPIs are met.

- Job Position: Database Administrator
- Internal Job Grade: Officer
- Division/Location/Country: IT – Operations and Technology – PICO - Vietnam; Prudential Vietnam Finance Company
- Immediate Supervisor’s Position Title: IT Operations Manager
*** Role Purpose:
The Oracle Apps DBA will be responsible for installing, designing, configuring, documenting, delivering, and supporting the databases and application servers of several Oracle Applications. The Oracle Apps DBA will work closely with: Architects, Development and Integration Leads, Core DBAs, OEM Administrators, Hardware Engineers, External Integrators (consultants), and a mix of On-Off Shore Developers. The Apps DBA is responsible for ensuring that the middleware & database technologies are delivered successfully in scope and on time.
*** Key Accountabilities and Performance Measures Impacted:
- Creates and maintains all databases used for development, testing, and education and production usage. Performs the capacity planning required to create and maintain the databases
- Performs ongoing tuning of the database instances
- Install new versions of the Oracle RDBMS and its tools and any other tools that access the Oracle database.
- Plans and implements backup and recovery of the Oracle database
- Controls migrations of programs, database changes, reference data changes and menu changes through the development life cycle
- Configure / add new services as necessary.
- Implements and enforces security for all of the Oracle Databases.
- Performs database re-organizations as required to assist performance and ensure maximum uptime of the database.
- Puts standards in place to ensure that all application design and code is produced with proper integrity, security and performance; reviews on the design and code frequently to ensure the site standards.

Report to : Senior IT Infrastructure and Operations Manager
Job Summary
The Job holder plays a critical role in support business requirements. He/she is responsible for analyzing the business requirements, understanding IT systems/applications and communicating with all internal/external stakeholder to ensure the smooth implementation as requested. Also he/she needs to manage change effectively.
Key Accountabilities
1. In charge of analyzing and preparing business requirements for the IT system
2. Ensuring proper due diligence and gap analysis is done for application implementation against the business requirements
3. Working cohesively with the application vendor’s Business Analyst to get the required knowledge transfer for the product knowledge and business process.
4. Providing system/application support for end users.
5. Managing and leveraging between end user’s expectation and the base lined business requirements
6. Supporting User Acceptance Test for the project sign off.
7. Project-management to implement of major applications including CRM, data mining, credit scoring, and MIS;
8. Participating the new initiatives in Data migration, Business process transformation of projects

- Liên tục rà soát, giám sát và triển khai các hoạt động chuyên môn nghiệp vụ cho bộ phận bán hàng để phát hiện xu hướng gian lận.
- Tiến hành điều tra chuyên sâu thông qua đánh giá dữ liệu để phát hiện sự cố gian lận thực tế.
- Tiến hành kiểm tra thực tế bất kỳ sự cố đáng ngờ nào theo yêu cầu.
- Liên lạc với các phòng ban liên quan về kết quả sự cố gian lận và xử lý vụ việc ngay từ đầu đến khi kết thúc.
- Duy trì mối quan hệ với cơ quan thực thi pháp luật và các cơ quan chính phủ để nhận được sự hỗ trợ tối đa trong quá trình xử lý gian lận.

Department : Sales and Marketing
Report to : Regional Sales Manager, Central
Number Subordinates : 7 Team Leaders and 70 Sales Agents
In charge of SIP with the key purpose is to lead a sales team in a customer service center and sales. This includes the responsibility of coaching, training the sales team to perform respective sales calls process professionally and effectively: especially sales target, Code of Agent, productivities and Fraud…
The role is also responsible for seeking possible opportunities to promote and improve Fields Sales.
Sales planning
- Set up SMART target for sales team, contribute to company sales forecast. Proactively propose/ contribute to micro-marketing.
Sales execution
- Ensure that the sales plan, events, activities… are well briefed to sales team and completely & effectively executed in the field.
Sales analysis
- Perform sales analysis on monthly basis to ensure both gaps and potentials are identified and proper actions are taken to maximize sales achievements.
Team motivation
- Ensure incentive schemes are properly run and the best performers are recognized and rewarded.

• Ad-hoc analysis and reporting Risk MIS reports.
• Develop, validate, implement and apply quantitative models. Execute the model risk management program and associated activities with relevant business unit and model owners
• Analyze data for trends, issues, inaccuracies, and inconsistencies; report findings and execute management decision as appropriate
• Regularly conducting portfolio review with credit policy & product team, credit operation units to address the trends, issues & inconsistencies, propose action plans, and through recommending amendments to portfolio pricing or credit limits based on critical analysis of the data
• Applying various statistical techniques (segmentation, pattern, decision tree, regression…) in data mining to propose credit policy changes.
• Setting up scorecard rules in system by cooperating with IT team to integrate scoring logic in core banking system. Periodically monitoring credit risk scorecard models to ensure accuracy, compatibility with business requirements
• System and database enhancement by addressing issues and executing UAT

Part I: General Information
Job Title: Sales Supervisor
Department: Direct Sales
Location: Ho Chi Minh City/Hanoi
Report to: Sales Manager
Number Subordinates: 05-10 teams
Part II: Job Summary
The key purpose is to lead a sales team in a customer service center and sales. This includes the responsibility of coaching, training the sales team to perform respective sales calls process professionally and effectively. Especially sales target, COA, productivities and Fraud..
The role is also responsible for seeking possible opportunities to promote and improve Fields Sales
Part III: Key Accountabilities
1 Sales planning
- Setting up SMART target for sales team, contributing to company sales forecast. Proactively propose/ contribute to micro-marketing.
2 Sales execution
- The role will require ensure that the sales plan, events, activities… are well briefed to sales team, and will be completely & effectively executed in the field.
3 Sales analysis
- To perform sales analysis on monthly basis, ensuring both gaps and potentials are identified and proper action will be taken to maximize sales achievement.
4 Team motivation
- To ensure incentive schemes are properly run, the best performers will be recognized and rewarded

Department : Branch Network Department
Report to : DTH Manager
The Assistant Branch Manager is responsible for supporting DTH Manager (Direct-to-home) to oversee the efficient operation of the unit (including SIPs – Sales Introduction Point-in neighboring provinces with Hanoi) to ensure underwriting process, customer service, collection support and cross-functional coordination are completely and properly performed by the staff in a timely manner.
As the business growth, he/she could be promoted to take bigger scopes covering Direct-to-Home team of the unit, branch or transaction office depending on his/her performance.
1. Credit process – Ensure the underwriting /loan process is operated smoothly and professionally in compliance with Credit policy, Business code and Company guidelines.
Be in charge of generating and send daily reports to team to track team performance (i.e., loan application approval) vs monthly assigned target.
Support the DTH Manager to supervise Relationship Officers productivity and Couriers/Admin Staff daily performance if assigned.
2. Loan approval as per sanction limit delegated by Risk
3. Customer service quality – Ensure the best quality of customer service wherever customers are met & serviced from approaching potential customers, customers scheduled for interviews with Relationship Officer to dealing customers with delinquency.
4. Portfolio management/ Collection activities – Responsible for managing customer portfolio/ collection activity against targets given to DTH in Northern SIPs; alert or give timely notifications to Credit & Risk Dept or other authorized persons any issues/potential fraud or misrepresentations;
Lead, supervise and support local KYC Relationship Officer(s) who directly manage local field collectors (“fc”) apart from Know-Your-Customer (“KYC”) activity.
5. Other assignments - Support Line Manager in other daily activities such as monitoring North SIPs, reject/cancel review; Carry out ad-hoc assignments and project assigned by DTH Manager or Branch Network Head;
Use expertise to answer questions, resolve or escalate issues from junior team members to Line Manager/Department Head with suggested solutions.

Location : HCMC Report to : Head of Legal & Compliance, Head of Internal Control
Job Summary
Internal Control function was established in Jan 2013, under CEO’s responsibility, for fulfilling requirement of Local regulation (SBV Cir 44). This job-holder will provide on-going assurance on the effectiveness of controls in all business functions within the company.
Accountabilities
Perform independent internal control reviews on the functional operations according to the approved plan by reviewing the current processes, assessing their compliance with local/group regulations & their effectiveness, also providing suggestions to improve any weaknesses loopholes, supporting to develop/review operational manuals of reviewed functions, documentations etc
- Reviews are executed as per approved plan;
- Quality reviews conducted, using all available information, data sources, i.e. Risk MI (management information), incident reporting, previous review reports, peer review reports etc
- Recommend changes to processes & procedures;
- Follow-up to ensure all corrective actions are implemented completely
Review regulatory compliance issues and conduct regulatory compliance checks according to the audit plan to ensure the company operate in line with local regulations and Group policy. Prepare respond to external audit findings (KPMG, SBV, GROUP) with regards to PVFC operations.
- Review regulatory issues and set up new compliance checks;
- Recommend suitable approaches for regulatory compliance.
- Follow-up to ensure attendance by related departments.

A. Key Accountabilities
1. MIS reporting pack production and analysis
• Build periodical MIS reports for on-going portfolio performance management to support management decision.
• Perform ad-hoc business analysis and market research to understand the issues and find out business opportunities.
• Pattern and segmentation on customer portfolio to identify various kind of risks and opportunities with statistical techniques (decision tree, logistic regression, etc.)
• Analyze and mine credit performance by credit risk quantitative models, analytics to provide findings for business decision making and adjustment.
2. Reporting efficiency enhancement
• Regular communicate with respective cross-functions involved in the loan initiation and maintenance to understand the portfolio trends then producing the output through the analytics pack.
• Propose new approaches in MIS pack generation to minimize manual work and leverage automation tools.
• Co-operate with IT in system enhancements, create Business Requirement and execute UAT/
3. Execution of the new projects if required
• Support project manager to deliver the project up to the expected quality and timeline.
• Bridge between multiple departments to work on required assignments with proactively collaborative and empathy mindset.
• Promptly resolve project issues if any.