Credit Risk Manager
Application Deadline: 26 January 2026
Department: Risk
Employment Type: Permanent - Full Time
Location: Hong Kong (SAR)
Description
About Mox
Mox is built by and for the ones who aspire to live life to the fullest - we call them Generation Mox! The name Mox reflects the endless opportunities we can create, - Mobile eXperience; Money eXperience; Money X (multiplier), eXponential growth, eXploration... it's all up for us to define together.
Why Mox
Mox helps you grow - your money, your world, your possibilities. We equip you with the financial management tools, information and insights you need to make your dreams, big or small, come true. Everything at Mox - from our products, features, to rewards - is designed based on customer research, tailor made for your needs. We care about what customers care about, especially in data security and privacy. Data ethics is core to everyone here at Mox. Mox rewards you with an array of banking and lifestyle benefits.
Together we create a new standard in banking. We are always looking for awesome people who can work with us on this adventurous journey!
What we are looking for? We are seeking an experienced Credit Risk Manager to support data-driven analysis, portfolio management, and credit policy refinement.
Responsibilities
• Analyze business data to inform credit risk decisions and identify areas for improvement
• Develop and maintain key risk performance metrics (e.g., delinquency ratios, loss ratios) and provide insights to stakeholders
• Perform credit portfolio analysis and prepare periodic and ad-hoc risk reports
• Assist in refining credit policies and procedures to ensure alignment with risk appetite, business objectives and regulatory requirements
• Understand and interpret ECL (Expected Credit Loss) models to inform credit risk provisioning and capital allocation decisions
• Analyze scorecard performance and propose in-use strategies on new acquisition and portfolio management
• Collaborate with stakeholders to drive data-driven decision-making and business growth
• Develop and maintain credit risk projection models to forecast future credit losses and identify potential risk areas
• Collaborate with data engineer in developing dashboards/MI automation
Requirements
• Minimum 5 years of experience in retail credit risk management, preferably in cards and unsecured lending
• Strong analytical skills, with proficiency in data analysis tools (e.g., SQL, Python) and MI tools (e.g., Tableau)
• Experience with portfolio management MI and credit policy development/refinement
• Understanding of ECL models and their application in credit risk provisioning
• Experience with scorecard development, validation, and in-use analysis
• Ability to develop and maintain credit risk projection models, including stress testing and scenario analysis
• Excellent interpersonal and communication skills, with the ability to collaborate with stakeholders
• Strong business acumen, with the ability to assess risk and return
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