Job Purpose
To lead the Customer Credit & Risk Management function by ensuring robust credit governance, effective portfolio monitoring, and proactive risk mitigation while supporting sustainable business growth. The role acts as a key business partner to Sales, Finance, Legal, Customer Service and other stakeholders in balancing commercial opportunities with acceptable credit risk, protecting company assets, and ensuring compliance with company policies, MOA, internal controls and audit requirements.
Accountability
- Credit Policy & Governance: Support the OTC Head in developing and maintaining customer credit policies, procedures and governance frameworks aligned with company risk appetite. Ensure consistent application of credit terms, payment terms and credit approval requirements across customer segments. Monitor compliance with Credit Policy, MOA and internal control requirements. Drive continuous improvement of credit governance processes and frameworks.
- Customer Credit Assessment & Approval Support: Evaluate customer creditworthiness using financial statements, payment behavior, business performance and external credit information. Review and recommend credit limits, payment terms, bank guarantees and other credit security arrangements. Coordinate with Sales and DDT teams to prepare and obtain approvals in accordance with company MOA. Conduct periodic and ad-hoc reviews of customer credit risk profiles. Maintain complete and audit-ready credit assessment documentation.
- Customer Contract & Onboarding Management: Review new customer onboarding requests from a credit risk perspective, including customer contracts, renewals, liquidation requests and code transfer requests. Ensure payment terms, guarantee requirements and financial obligations are appropriately reflected in customer agreements. Coordinate with Legal, Sales and Finance stakeholders to mitigate contractual and financial risks prior to approval. Validate customer master data and credit-related information before activation.
- Credit Limit & Exposure Monitoring: Monitor customer credit exposure against approved credit limits. Review utilization trends, identify customers approaching or exceeding approved limits, evaluate emerging credit risks and recommend mitigation actions. Escalate significant customer risk exposures to the OTC Head and Credit Committee where applicable.
- Order Block Governance: Govern customer order blocking and release decisions related to credit risk. Review and approve exceptional order release requests in accordance with authorization levels. Coordinate with Sales, Customer Service and AR teams to resolve credit-related blocking issues and recommend structural improvements.
- Portfolio Monitoring & Risk Mitigation: Monitor the customer credit portfolio to identify concentration risk and emerging trends. Track high-risk customers, credit limit breaches and deterioration in customer risk profiles. Recommend actions including credit limit adjustments, payment term changes, additional security requirements or account restrictions.
- Credit Security Management: Manage customer deposits, bank guarantees and other financial security instruments. Monitor validity, adequacy and utilization of credit securities and recommend additional collateral requirements for high-risk customers.
- Reporting & Risk Analytics: Prepare and review customer credit risk reports and management dashboards. Analyze portfolio trends, risk concentration and exposure movements, providing management with insights and recommendations.
- System Management & Continuous Improvement: Ensure proper setup and maintenance of credit limits, payment terms, risk classifications and credit control parameters. Support SAP and system enhancement initiatives and drive automation and process digitalization.
- Stakeholder Management: Act as the key Finance business partner on customer credit risk matters. Collaborate with Sales, DDT, Legal, Customer Service, AR and other stakeholders while communicating credit decisions and risk concerns effectively.
- Compliance & Audit: Ensure credit activities comply with company policies, MOA, SOX requirements and internal controls. Maintain audit trails and support documentation, support audits, and address control gaps.
- Team Leadership & Capability Building: Lead, coach and develop the Customer Credit & Risk Management team. Set objectives, priorities and performance expectations while building credit risk management capabilities and governance awareness.
Business Context
The role manages customer credit risk across all sales channels through sound credit assessment, appropriate credit controls, effective risk mitigation and strong governance over customer exposure. The position works closely with commercial and finance teams to balance business growth objectives with acceptable risk levels and serves as a key advisor to management on customer credit risk matters.
Key Contacts
Internal contacts include Finance, Sales, Supply Chain, Warehouse, Customer Service, Legal, IT, Digital and Project Teams. External contacts include distributors, Modern Trade and E-Commerce customers, banks and external auditors.
Qualifications
- Bachelor's degree in Finance, Accounting, Business Administration or a related discipline.
- 5–8 years of experience in Credit Risk Management, OTC or Commercial Finance, preferably in FMCG.
- Strong experience in customer credit assessment, credit limit management and credit policy governance.
- Strong analytical, problem-solving and stakeholder management skills.
- Experience leading teams and driving process improvements.
- Fluent in English and Vietnamese.
- Understanding of customer credit risk management, financial analysis, credit governance, internal controls and approval frameworks.
- Familiarity with SAP, Oracle or equivalent ERP systems.
- Strong business partnering, communication and influencing skills, with high ownership and attention to detail.