Key Responsibilities:
1. Credit Portfolio Monitoring & Analysis
- Conduct portfolio-level risk assessments (concentration risk, sector risk, borrower risk) across business and retail lending.
- Monitor key risk indicators (KRIs), delinquency trends, NPL ratios, and early warning signals.
- Perform granular segmentation analysis to identify high-risk exposures and recommend mitigation strategies.
2. Portfolio Strategy & Optimization
- Define and monitor credit risk appetite framework in alignment with board policies.
- Recommend portfolio rebalancing strategies (e.g., exposure limits, sector caps, risk grading adjustments).
- Work with the credit approval to refine underwriting policies based on portfolio performance trends.
3. Policy Governance and Internal Reporting
- Take ownership of credit policies and framework and ensure compliance with HKMA regulatory requirements (e.g., Basel III, IFRS 9, CR-G-14).
- Prepare risk dashboards and reports for senior management, RMC, and regulators.
- Support internal/external audits and regulatory inspections related to credit risk.
4. Credit System and Operation
- Drive change management of credit related systems and EUCs
- Lead the Claims team responsible the SFGS claims efforts. Ensure timely submission of claims for defaulted accounts to HKMC and response to RFI.
5. Cross-functional Collaboration
- Partner with Credit Approval, Risk Analytics, and Finance teams to enhance risk frameworks.
- Engage with Collections & Recovery to improve NPL management strategies.
- Advise senior management on emerging risks and portfolio performance.
Qualifications & Experience:
- 8+ years in credit risk management, preferably in a bank or digital lending business.
- Strong expertise in portfolio risk analytics, credit policy and governance.
- Familiarity with secured/unsecured lending products (business loans, SME lending, retail loans).
- Knowledge of HKMA regulations (e.g., Basel, IFRS 9, credit risk guidelines).
- Degree in Finance, Risk Management, Economics, or related field; FRM/PRM/CFA a plus.
Key Competencies:
- Strong analytical skills.
- Ability to translate data insights into business strategy.
- Excellent stakeholder management & communication skills.
- Proactive mindset with a focus on risk-adjusted profitability.