What Jobs are available for Credit Management in Hong Kong?

As part of Risk Management, you are at the centre of keeping JPMorganChase strong and resilient. You help the firm grow its business in a responsible way by anticipating new and emerging risks, and using your expert judgement to solve real-world challenges.

As an Associate in the Wholesale Credit Risk Team, you will serve as the primary credit coverage for a portfolio of Hedge Funds and Asset Managers in the Asia Pacific region. You will be instrumental in helping us grow our business responsibly by anticipating new and emerging risks, using your expert judgment to solve real-world challenges that impact our company, customers, and communities. Our culture is all about thinking outside the box and striving to be best-in-class.

Job responsibilities

• Serve as the main point of contact for all Lines of Businesses, including OTC Markets, Prime Financial Services, Securities Services, Structuring & Fund Financing desks
• Maintain primary ownership of the ongoing credit relationship by assigning internal ratings, recommending credit appetite, and assessing risk measures
• Conduct in-person client due diligence meetings, transaction structuring/execution, and oversee negotiation and documentation of legal agreements
• Review and approve trading activity, recommend margin requirements, and propose structural solutions to mitigate risks
• Build effective client partnerships, both internally and externally, and independently challenge the activities of the Business
• Demonstrate a deep understanding of Hedge Fund/Asset Manager investment strategies and inherent risks.
• Coach and train junior team members to think holistically about risk
• Maintain a detailed and forward-looking knowledge of developments in regulatory frameworks, industry, and market trends across Asia Pacific and globally
• Drive key initiatives and process changes by identifying limitations/gaps in systems, risk controls, and policies
• Collaborate with NA/EMEA Credit counterparts to drive a consistent global coverage model

Required qualifications, capabilities, and skills

• Bachelor's Degree in Business, Finance, or a related field
• Minimum of 3 years of experience in credit risk management in the financial services industry
• Familiarity with the concepts of Credit Risk – how it may arise and potential mitigants
• Understanding of the theory behind risk and return metrics (VaR, Stress, MTM, DV01, etc.)
• Counterparty credit risk analysis skills, with knowledge of financial markets (including macro and microeconomics) and ability to 'connect the dots' with the portfolio of clients
• Strong interpersonal and communication skills, with the ability to establish credibility & trust with both internal and external stakeholders
• Strong organizational and time management skills, ability to learn quickly, and a high level of accountability and ownership of tasks
• Proficiency in Microsoft Office Suite, especially Excel, PowerPoint, and Word

Preferred qualifications, capabilities, and skills

• Experience in conducting diligence on Hedge Funds, Asset Managers, or Financial Institutions obtained in a corporate or investment bank
• Knowledge of the Hedge Fund and Asset Management industry, their evolving investment strategies, and risks inherent to them
• Relevant postgraduate qualifications (e.g., CFA, FRM, Masters of Finance) would be highly regarded

Key Accountabilities:

• Formulate the unified credit management framework and ensure its continuous update in alignment with the Group's requirements.
• Organize relevant internal trainings, and provide oversight and guidance to internal stakeholders to ensure compliance with relevant guidelines and procedures.
• Organize and implement the unified credit management data reporting and information sharing requirements from Head Office, collaborate with relevant teams to review and ensure accuracy and quality of submitted data, and provide timely feedback to Head Office regarding the bank's data sharing needs.
• Lead the formulation of user requirements for the unified credit management system, including integration requirements with the Head Office and enhancements to internal system. Provide guidance and support to other departments in formulating related system requirements for unified credit management.
• Establish and maintain effective communications with relevant working groups in Head Office. Report to the Head Office on the implementation status of the Bank's unified credit management, conveying information and requests to related internal stakeholders from Head Office, ensuring that the Bank's unified credit work complies with both internal and external requirements.
• Provide support to relevant units during the execution of unified credit management.
• Assist the Department Head in liaising and coordinating the work of the relevant Secretariat Office , including organizing regular meetings, preparing meeting materials and meeting minutes, monitoring the implementation progress of meeting resolutions, and providing timely reports.
• Assist in completing other tasks assigned by the Department Head.

Requirements:

• Degree holder in Information Systems, Finance, Accounting, Statistics and related disciplines.
• 10 years' relevant experience in banking / finance industry, experience in credit risk review, relationship management, information systems and data governance will be an advantage.
• Strong knowledge of credit risk management regulations, particularly those issued by the HKMA, National Financial Regulatory Administration, and the People's Bank of China preferred.
• Strong background on credit risk management framework, policy and systems.
• Experienced in unified credit management including policy making and implementation monitoring.
• Experienced in IT projects and system implementation related to data systems.
• Professional Qualification like CFA, FRM, ACCA etc. will be an advantage.
• Self-motivated, independent, strong communication and presentation skills.
• Good command of written and spoken English and Chinese (including Putonghua).

For more details about career opportunities with the Bank, please visit our website Please apply with full resume stating current and expected salaries.

Personal data collected will be used for recruitment related purposes only. Applicants not invited for interview within 6 weeks may consider their applications unsuccessful. However, applicants may be considered for other suitable positions within the Group for a period of not more than 2 years. Personal data will be destroyed at any time after 3 months.

China CITIC Bank International is committed to being an equal opportunities employer and intends to provide a work environment free of unlawful discrimination or harassment. All employment decisions will be made in a non-discriminatory manner.

Key Responsibilities

• Formulate the unified credit management framework and ensure its continuous update in alignment with the Group's requirements.
• Organize relevant internal trainings, and provide oversight and guidance to internal stakeholders to ensure compliance with relevant guidelines and procedures.
• Organize and implement the unified credit management data reporting and information sharing requirements from Head Office, collaborate with relevant teams to review and ensure accuracy and quality of submitted data, and provide timely feedback to Head Office regarding the bank's data sharing needs.
• Lead the formulation of user requirements for the unified credit management system, including integration requirements with the Head Office and enhancements to internal system. Provide guidance and support to other departments in formulating related system requirements for unified credit management.
• Establish and maintain effective communications with relevant working groups in Head Office. Report to the Head Office on the implementation status of the Bank's unified credit management, conveying information and requests to related internal stakeholders from Head Office, ensuring that the Bank's unified credit work complies with both internal and external requirements.
• Provide support to relevant units during the execution of unified credit management.
• Assist the Department Head in liaising and coordinating the work of the relevant Secretariat Office , including organizing regular meetings, preparing meeting materials and meeting minutes, monitoring the implementation progress of meeting resolutions, and providing timely reports.
• Assist in completing other tasks assigned by the Department Head.

Requirements

• Degree holder in Information Systems, Finance, Accounting, Statistics and related disciplines.
• 10 years' relevant experience in banking / finance industry, experience in credit risk review, relationship management, information systems and data governance will be an advantage.
• Strong knowledge of credit risk management regulations, particularly those issued by the HKMA, National Financial Regulatory Administration, and the People's Bank of China preferred.
• Strong background on credit risk management framework, policy and systems.
• Experienced in unified credit management including policy making and implementation monitoring.
• Experienced in IT projects and system implementation related to data systems.
• Professional Qualification like CFA, FRM, ACCA etc. will be an advantage.
• Self-motivated, independent, strong communication and presentation skills.
• Good command of written and spoken English and Chinese (including Putonghua).

For more details about career opportunities with the Bank, please visit our website Please apply with full resume stating current and expected salaries via

Personal data collected will be used for recruitment related purposes only. Applicants not invited for interview within 6 weeks may consider their applications unsuccessful. However, applicants may be considered for other suitable positions within the Group for a period of not more than 2 years. Personal data will be destroyed at any time after 3 months.

China CITIC Bank International is committed to being an equal opportunities employer and intends to provide a work environment free of unlawful discrimination or harassment. All employment decisions will be made in a non-discriminatory manner.

This Group-level role, reporting to COO, provides business management and regulatory compliance advisory to ensure the business teams operate in strict adherence to internal policy standards and regulatory requirements. This role focuses on international container leasing & selling businesses involving credit data analysis, existing & potential customers creditworthiness assessment, and credit risk exposure management to support the overall financial objectives.

ROLES & RESPONSIBILITIES

• Design, implement, and maintain a comprehensive credit risk management framework, including policies, procedures, and controls, aligned with industry best practices and regulatory requirements.
• Conduct thorough credit evaluations of potential and existing clients, utilizing financial statements, credit reports, market analysis, and industry specific data. Exercise sound credit judgment and provide clear credit recommendations.
• Collect and analyze market information to identify emerging credit risks and trends within the shipping, liner, and container leasing sectors.
• Monitor the implementation of credit risk policies and procedures across all relevant business units, ensuring consistent application and adherence.
• Provide expert advice and guidance to business teams on credit risk mitigation strategies, ensuring alignment with the Group's risk appetite and business objectives.
• Act as the central point of contact for risk-related matters, collaborate with various business teams to implement effective risk governance and minimize the potential risks for the Group.
• Stay abreast of relevant regulatory requirements and industry's best practices related to credit risk management, ensuring the Group's compliance.
• Prepare and present regular and ad-hoc reports on credit risk exposure, performance, and emerging risks to senior management, highlighting potential areas of concern and recommending appropriate action.
• Stay alert to and ensure compliance with all relevant regulatory requirements relating to market risk management and internal model approach to calculate market risk, taking ownership and communicating to relevant stakeholders, reporting any substantial change in financial status & management of our clients which might exert potential credit risks to our Group promptly.

FUNCTIONAL EXPERIENCES

• Proven experience in the container, shipping liners, leasing or depots industries, with a strong understanding of the financial dynamics within these sectors.
• Minimum 5 years of experience in banking, financial or accounting services, with experience in focus on financial analysis of leasing services, accounting and finance, risk management, financial control is preferred.
• Exceptional analytical, problem solving and reporting skills, with ability to critically evaluate information from multiple sources and reconcile conflicting data.
• Experience in designing, implementing, and monitoring credit risk policies and procedures.

COMPETENCY & QUALIFICATION

• CFA, CPA are highly preferred.
• Bachelor's degree in business, legal, finance, accounting, or risk management is required.
• Fluent written and verbal English and Cantonese language skills are essential. Communicative level of mandarin is also required.
• Willingness for business travel is required.
• Ability to thrive in a fast-paced & dynamic working environment.
• Short notice / Immediate available is an advantage.
• IANG/ TTPS/ QMAS visa holders are welcome to apply.

Responsibilities:

• Work with the Head of Credit Risk to design strategies throughout the credit life-cycle, including acquisition, portfolio management, and collections
• Inform the development of business plans with the provision of cost and impairment and a balanced judgement on the external environment
• Support the portfolio analysis for identifying credit risk in the retail lending portfolio for recommendations on portfolio management strategy
• Formulate credit risk management policies for retail banking products and supervise the implementation
• Ensure full compliance with Mox Credit Policies and Process Standards. Dispensations or any gaps must be well supported and approved on a timely basis. Portfolio metrics and credit strategies are renewed on timely basis
• Carry out credit evaluation and risk assessment on retail credit policy and products
• Conduct the review of Bank's strategy and risk appetite on retail loan portfolio
• Review and support the coordination of procedure manual updates
• Perform due diligence for new products and credit programs and related implementation
• Closely monitor the delinquency and loss levels of portfolios and recommend appropriate portfolio and collection actions
• Ensure Lending and Credit Risk Squad teams to develop adequate system capabilities for proper credit risk management
• Liaise with data engineers in the design and implementation of credit risk strategies and portfolio management actions
• Proactively manage early warning signals and portfolio statistics for retail loans
• Ensure effective management of operational risks within the Credit Risk Team and compliance with applicable internal policies, and external laws and regulations
• Continuously improve the operational efficiency and effectiveness of risk management processes
• Ensure compliance with internal policies and local governance requirement and processes
• Escalate credit risk issues timely and ensure appropriate mitigating actions are devised and implemented, engaging all key stakeholders
• Coordinate with business and other functional units to streamline credit portfolio management tasks
• Work with Product team to ensure Business and Products counterpart align with the credit risk management principles, and support acquisition and portfolio programs by effective managing program risks and profitability
• Assist to liaise with regulators and auditors, and provide explanations and clarifications on the credit risk methodologies adopted by the Bank

Key Stakeholders

Internal:

• CRO
• Operational Risk Team
• Credit Risk Operation Teams (Collection, Credit Ops, Fraud Risk Management) Business Heads and Product Owners
• Portfolio Quality Reviews and ERC (or other forums, as may be applicable)
• Internal technology partners, squads
• Compliance and Customer Experience Management units
• HR team
• Internal Auditors

External:

• HKMA and other local regulators
• External auditors

Requirements:

• Minimum 8 years of consumer credit management experience covering Unsecured Lending. Experience in credit approval / credit analysis is a plus
• Familiar with acquisitions or portfolio management credit policies, and/or have practical know-how in decision engine functions
• Sharp business acumen (including ability to assess risk and appropriate levels of return)
• Knowledge in the regulatory requirements and internal control on credit risk perspectives
• Detailed-oriented, good analytical, interpersonal and communication skills
• Result oriented, dedicated who can work on own initiative and can deliver on time under pressure with a high level of integrity and flexibility, attention in details and quality standard.

Senior Manager, Credit Risk Management - Chinese Securities firm

客户简介

Our client is a Chinese securities firm with a strong fintech backbone, combining traditional financial expertise with cutting-edge technology. As we expand our risk management capabilities, we are seeking a seasoned professional to lead initiatives in credit risk and margin financing, with additional support in market risk analysis.

工作内容

• Lead credit risk assessments for margin financing
• Design and implement credit risk models and exposure limits
• Monitor client creditworthiness and collateral adequacy
• Collaborate with front office and operations to manage margin calls and risk mitigation strategies
• Support market risk team in scenario analysis and stress testing
• Contribute to regulatory reporting and internal risk governance
• Partner with fintech product teams to enhance risk analytics and automation tools

理想的求职者

• Minimum 8 years of experience in credit risk, preferably within a securities firm or investment bank
• Strong understanding of margin financing, securities lending, and collateral management
• Familiarity with market risk concepts and tools (VaR, stress testing, etc.)
• Experience working in or with fintech platforms or data-driven risk systems
• Proficiency in risk systems and data analytics (e.g., SQL, Python, Excel)
• Excellent communication skills in Mandarin, Cantonese and English

福利待遇

• Be part of a high-performing risk team with cross-functional exposure
• Competitive compensation and career development opportunities

To apply online please click the 'Apply' button below. For a confidential discussion about this role please contact Natalie Choi on

Company Introduction:
*We're home to Asia's most dynamic and vibrant capital markets.

Connecting capital, ideas, inspiration and innovation for deeper, more diverse and liquid global capital markets; providing greater choice and opportunity for our customers, each and every day.
HKEX is a purpose-driven company. Our commitment to the long-term development of our business and our markets is articulated in our purpose: "To Connect, Promote and Progress our Markets and the Communities they support for the prosperity of all."
Job Summary: *
The Financial Risk Management (FRM) team is responsible for developing and implementing frameworks to identify, measure, and monitor financial risks across the group. FRM plays a critical role in supporting strategic and regulatory initiatives by overseeing credit and market risks through thematic in-depth analyses to mitigate risk impact and to support management initiative of the organization.

Job Duties:
Responsibilities:

• Credit Risk Reporting & Data Management Support daily credit risk reporting activities, including database maintenance and enhancement of data infrastructure.
• Data Integrity & Migration Assist in data migration or enhancement projects to ensure data accuracy and integrity for reliable financial risk reporting.
• Process Automation Design and implement automation solutions to improve efficiency in risk reporting and monitoring workflows.
• Analytics & Visualization Contribute to the development of dashboards and visual analytics to enhance risk insights and decision support.
• Market Intelligence Perform daily market research to track and report financial developments and emerging risk trends.
• Counterparty Risk Assessment Conduct credit risk assessments of counterparties in alignment with the group's risk appetite framework.

Requirements:

• Education Bachelor's degree in Quantitative Finance, Mathematics, Economics, Data Analytics, or a related discipline.
• Experience Minimum 3 years of experience in financial markets with solid understanding of financial products and risk factors.

• Technical Skills

• Proficiency in SQL, data modeling, and data warehousing.

• Advanced skills in Tableau, Power BI, and automation tools such as Power Automate.

• Experience in statistical and data analysis.

• Risk Expertise Exposure to credit analysis and familiarity with risk management principles is preferred.

• Market Awareness Strong sensitivity to financial news and market movements.
• Communication & Collaboration Effective communicator in English and Chinese, with strong interpersonal skills and a collaborative mindset.

HKEX is committed as an Equal Opportunity Employer. Diversity is one of our core values and we look to support, respect diverse perspectives, abilities, culture and experiences within our workplace.
Location:
HKEX - Exchange Square

Shift:
Standard - 40 Hours (Hong Kong SAR)

Scheduled Weekly Hours:
40

Worker Type:
Permanent

Job Summary

• To assist Team Head in managing the credit approval process for consumer secured and unsecured products. Responsible for conducting thorough credit assessments, providing recommendations, and granting approvals in strict compliance with internal credit policy and related procedures to ensure sound credit decisions and risk management.

What You Will Be Doing

• Approve consumer auto loans and other consumer product applications submitted by business units within authorized lending limits, ensuring all approvals comply with established credit policies, guidelines, applicable laws, and regulations to promote responsible lending.
• Review and analyze applicants' credit reports, financial statements, and other relevant documentation to assess creditworthiness to recommend or approve applications.
• Conduct analytics and reviews to evaluate and manage consumer credit risk by analyzing segments that are either strong or at risk, optimizing risk and return dynamics.
• Co-operate with internal and external control units to conduct review work and ad hoc reviews.
• Enable the team to process credit applications promptly and with the necessary analysis and recommendation for credit acceptance criteria.

What We Are Looking For

• University Degree or Tertiary education in Banking, Accounting, Finance or Business Administration or related discipliners.
• 3 to 5 years consumer credit or risk management experience preferably with exposures in auto finance, mortgage loan and credit card.
• Proficiency in both written and spoken English and Chinese.
• Proficient in Microsoft Office including MS word, PowerPoint and Excel
• Self-motivated, mature with a strong sense of responsibility and good communication skills.
• Strong analytical skills with sound credit judgement and able to work under pressure.