What Jobs are available for Credit Risk in Hong Kong?

Responsibilities

• Establishment of credit risk management system, and participate in the formulation of credit risk related rules and processes;
• Management of credit risk limit, able to identify, measure, monitor and report relevant credit risks;
• Participate in the establishment and maintenance of risk rating system and the review and evaluation of credit risk level of investment projects;
• Lead the credit risk assessment of new products and new businesses, and review the corresponding operation and risk management procedures;
• Ad-hoc tasks assigned by department.

Requirement

• Bachelor degree or above in Finance, Economics, Mathematics or related disciplines from recognized University, with FRM, CFA or CPA certificate is preferred;
• 5-7 years of credit risk management experience in investment banks, securities brokers or commercial banks;
• Familiar with various risk measurement models and good at statistical analysis;
• High sense of responsibility, strong learning and research ability, good communication and coordination skills and writing skills, strong dedication and team spirit, can adapt to the high intensity of the work pace;
• Fluent in Mandarin is a must.

All applications applied through our system will be delivered directly to the advertiser and privacy of personal data of the applicant will be ensured with security.

Full-time

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

Responsibilities:

• Perform credit monitoring and review in commercial credit and risk management, ensure compliance with internal policies and relevant regulatory requirements
• Manage portfolio review, assess Expected Credit Loss (ECL), identify potential credit risks and alert business unit with preventive measures or risk mitigation
• Monitor the performance of credit facilities utilization, analyze and review portfolio with potential high-risk indicators
• Identify early-alerts on potential problematic credits accounts and recommend appropriate actions plan to mitigate bank's risk and loss
• Prepare data and reports, provide recommendation in resolving problematic accounts including formulation and implementation of loan recovery or exit plan

Requirements:

• University graduate or above with major in Risk Management, Statistics, Finance, Accounting or related disciplines
• At least 4 years of solid experience in credit monitoring functions in banking industry
• Excellent analytical skills, self-initiated and able to handle multi-tasks under tight schedule
• Good interpersonal and communications skills
• Proficient in MS Office applications and Chinese word processing
• Good command of written and spoken English and Chinese

We offer competitive packages and promising career opportunities to the right candidates. Please send your full resume with current salary, expected salary and the date of availability to The Human Resources Department, Chiyu Banking Corporation Ltd, 1/F, No. 100 Queen's Road Central, Hong Kong or fax to or by clicking Apply Now.

Information provided will be treated in strict confidence and only be used for recruitment purposes. All personal data of unsuccessful applicants will be destroyed after the recruitment exercise. A copy of Personal Information Collection Statement is available upon request.

Our client, a leading corporate retail banking group is looking for a Manager/Senior Manager for Credit Risk Approval (SME/Large Corporates/FI)

Key Responsibilities:

• Evaluate credit applications and conduct thorough risk assessments.
• Analyze financial statements, credit reports, and other relevant data.
• Make informed credit approval decisions within established guidelines.
• Collaborate with relationship managers and other stakeholders to assess creditworthiness.
• Monitor and review existing credit facilities to ensure ongoing compliance.
• Prepare detailed reports on credit risk assessments and decisions.
• Stay updated on industry trends, regulatory changes, and best practices in credit risk management.

Qualifications:

• Bachelor's degree in Finance, Economics, Business Administration, or a related field.
• 5 years of experience in credit risk assessment within a banking or financial services environment.
• Strong analytical skills with the ability to interpret complex financial data.
• Excellent decision-making and problem-solving abilities.
• Familiarity with credit risk models and regulatory requirements.
• Strong communication and interpersonal skills.
• Proficiency in (relevant software/tools, e.g., Excel, credit risk assessment software).

• Ensure the implementation of retail credit risk management and credit quality
• Assist in monitoring changes in the quality of retail credit assets, and decide on appropriate risk mitigation measures
• Develop and implement credit strategies to facilitate the credit process workflow related to approval and compliance issues
• Support frontline to carry out credit business in compliance with the Bank's credit policies and guidelines
• Provide recommendation and approve the credit application within the certain authority
• Develop credit related projects, products and program
• Improve risk management knowledge within department by providing training and consultancy support
• Implement application scorecards in NBSM
• Ensure all necessary documentation and NBSM control measures are in place

• University Degree with major in Business Administration, Finance, Accounting, Economics or related disciplines.
• At least 3 years' experience in credit / financial analysis
  •Sound knowledge of all aspects of credit industry.
• Good credit sense / credit judgment with strong communication and interpersonal skills
• Proficiency in both spoken & written English and Chinese including Putonghua.
• Good knowledge of Microsoft Office

• Perform in-depth data cleaning, feature engineering, and analysis of customer application data, behavioral data, and transaction data.
• Develop, validate, and monitor credit risk models and customer behavior prediction models.
• Design data-driven credit risk strategies (e.g., approval, credit limit and collections strategies) aligned with business objectives and risk appetite.
• Prepare comprehensive model documentation, presentations, and business requirement specifications to ensure compliance with regulatory standards.

• Bachelor's degree or higher in Statistics, Computer Science, Information Systems, Applied Mathematics, or a related quantitative field.
• 2+ years of experience in risk analytics or modelling, preferably in retail banking.
• Proficiency in Python and SAS, with hands-on experience in machine learning frameworks such as Random Forest and XGBoost.
• Prior experience with Large Language Models (LLM) or generative AI applications is a plus.
• Excellent written and spoken English and Chinese; Fluency in Mandarin is advantageous.

Job Description:

• Develop, implement and review credit strategies to facilitate the credit process workflow related to approval and compliance issues;
• Conduct credit approvals on all credit risk control measures to prevent credit loss and minimize credit risk;
• Ensure that the approval of new unsecured lending applications and credit review meets service standards and regulatory compliance requirements;
• Monitor delinquency, over-limit and charge-off ratios at acceptable levels;
• Analyze delinquent accounts and prepare reports on highest risk accounts including findings recommendations and suggestion;
• Monitor exception approval and key risk triggers to comply with credit risk requirement;
• Review reports to monitor the unsecured lending portfolio quality to Management; and
• Coordinate with IT department to improve the system, process and workflow

Job Requirements:

• Degree holder or above in Finance, Risk Management, Statistic or related disciplines;
• At least 5 years of experience in retail credit/mortgage approval, exposure in treasury credit is definitely an advantage;
• Well versed with credit judgment for both personal lending and mortgage loan
• Strong analytical skills with the ability to clearly articulate approval justifications (written and verbal);
• Good command of both spoken and written English and Chinese. Mandarin is an advantage; and

• Proactive, independent and open-minded quick-learner.

• Candidates with more experience will be considered as Manager

We offer attractive remuneration package, career advancement opportunities and generous fringe benefits to the right candidate.  Please apply with your full resume, salary expectation and contact phone number(s) by clicking "Apply Now".

Data collected will be used for recruitment purpose only.

Responsibilities:

• Establishment of credit risk management system, and participate in the formulation of credit risk related rules and processes;
• Management of credit risk limit, able to identify, measure, monitor and report relevant credit risks;
• Participate in the establishment and maintenance of risk rating system and the review and evaluation of credit risk level of investment projects;
• Lead the credit risk assessment of new products and new businesses, and review the corresponding operation and risk management procedures;
• Ad-hoc tasks assigned by department.

Requirement:

• Bachelor degree or above in Finance, Economics, Mathematics or related disciplines from recognized University, with FRM, CFA or CPA certificate is preferred;
• 5-7 years of credit risk management experience in investment banks, securities brokers or commercial banks;
• Familiar with various risk measurement models and good at statistical analysis;
• High sense of responsibility, strong learning and research ability, good communication and coordination skills and writing skills, strong dedication and team spirit, can adapt to the high intensity of the work pace.

Responsibilities:

• Design and carry out credit risk stress-testing programs for SDST, CRST, ICCAP, RST and Scenario Review
• Review, enhance and implement credit risk stress-testing models
• Prepare system user requirements and perform relevant user acceptance test for relevant systems
• Assist to formulate and enhance credit policies, ensure compliance with internal policies and relevant regulatory requirements

Requirements:

• University graduate, major in Finance, Risk Management or related disciplines
• 3 years of relevant experience, as a good team player and able to work independently
• Sound knowledge in Basel regulatory requirements and banking practices in credit risk management
• Knowledge in SAS, Excel VBA and SQL

(Candidate with less experience/ fresh graduate will be considered for Assistant Manager)

We offer competitive packages and promising career opportunities to the right candidates. Please send your full resume with current salary, expected salary and the date of availability to The Human Resources Department, Chiyu Banking Corporation Ltd, 1/F, No. 100 Queen's Road Central, Hong Kong or fax to or by clicking Apply Now.

Information provided will be treated in strict confidence and only be used for recruitment purposes. All personal data of unsuccessful applicants will be destroyed after the recruitment exercise. A copy of Personal Information Collection Statement is available upon request.