- Young and Energetic Environment
- Work-Life Balance
About Our Client The company is a leading retail bank in Hong Kong, offering unsecured retail products including credit cards and personal loans. Our business is driven by data-led decisioning, disciplined risk management, and sustainable growth.
Job Description We are seeking an experienced Head of Credit Risk to lead end-to-end credit risk management for retail unsecured products, primarily Credit Cards and Personal Loans. This is a senior leadership role responsible for portfolio strategy, risk analytics, policy governance, and regulatory oversight.
- Lead, coach, and develop a team of 10+ credit risk professionals
- Define and execute credit risk strategy for retail products (Credit Cards & Personal Loans) aligned with business growth and risk appetite
- Own credit risk policies, underwriting standards, risk appetite metrics, portfolio limits
- Oversee end-to-end portfolio performance across acquisition, behaviour, and collections, including delinquency, loss rates, and profitability
- Drive proactive portfolio actions through policy tuning, line management, pricing inputs, and strategy optimisation
- Lead credit risk analytics and modeling, including scorecards, decision rules, and risk frameworks.
The Successful Applicant - 10+ years of experience in credit risk management within retail banking or consumer finance
- Proven experience managing credit cards and/or personal loan portfolios
- Strong background in credit risk analytics, portfolio performance management, and scorecard-driven decisioning
- Strategic thinker with strong commercial acumen and risk judgment
- Ability to influence senior stakeholders and balance risk with business objectives
- Excellent stakeholder management and communication skills
- Fluent in Cantonese, English, and Chinese
What's on Offer - Young and Energetic Environment
- Work-Life Balance
- 3.5+ months of Discretionary Bonus