What Jobs are available for Credit Risk Management in Hong Kong?

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.

JOB REFERENCE

BOCI00744

CONTRACT TYPE

Permanent

DIVISION

Risk Management

JOB FUNCTION

N/A

The Role

VP, Credit Risk Management, Risk Management

Key Accountabilities

• Responsible for analyze, approve and monitor the counterparty credit risk for multi trading desks;
• Responsible for analyze, approve and monitor issuers' default risk for bond investment portfolio;
• Participate in Internal Rating Model developments;
• Participate in credit risk management guidance, policy and risk management framework establishment;
• Participate in Centralized Credit Policy related duties;
• Participate in credit risk management database maintenance;
• Assist Credit Framework head and Team head in handling specially designated credit risk management projects.

Skills & Experience

• Bachelor's degree in Risk Management, Finance, Economics. Accounting or any related discipline;
• More than 10 years of experience in credit risk management;
• CFA, FRM or CPA preferred;
• Proactive, detail-oriented and able to multi-task;
• Excellent communication and writing skills in Mandarin and English.

Other Information

• Please apply in strict confidence with full resume, academic record, current and expected salaries;
• The personal data provided will be used for consideration of recruitment only. All personal data of unsuccessful candidate will be destroyed within 24 months;
• Candidates with Enhanced Competency Framework (ECF): please state on the CV.

About BOCI

As a leading investment bank in China and Hong Kong region, the investment banking arm of Bank of China, BOC International Holdings Limited ("BOCI"), is now seeking highly motivated, creative and success-oriented professional who would like to pursue the career for supporting our group.

My client, a prestigious and renowned Asset Management firm, is on the lookout for a dynamic and experienced Credit Risk Team Lead to join their talented team. This is an exciting opportunity to play a pivotal role in shaping the future of credit risk management within a leading organization. If you're ready to take the next step in your career and make a significant impact, this could be the perfect fit for you

Responsibilities:

• Develop and implement a comprehensive credit risk management system, contributing to the creation of related policies and procedures.
• Manage credit risk limits by identifying, measuring, monitoring, and reporting relevant credit risks.
• Assist in establishing and maintaining a risk rating system, including the review and evaluation of credit risk levels for investment projects.
• Lead credit risk assessments for new products and business initiatives, and evaluate the associated operational and risk management processes.
• Complete ad-hoc tasks as assigned by the department.

Requirements:

• Bachelor's degree or higher in Finance, Economics, Mathematics, or a related field from a recognized university. Professional certifications like FRM, CFA, or CPA are preferred.
• 5+ years of experience in credit risk management within investment banks, securities firms, or commercial banks.
• Proficient in various risk measurement models and skilled in statistical analysis.
• Strong sense of responsibility, excellent learning and research capabilities, and effective communication and coordination skills. Demonstrated dedication, teamwork, and the ability to thrive in a fast-paced work environment.

Who We Are

As Singapore's longest established bank, we have been dedicated to enabling individuals and businesses to achieve their aspirations since 1932. How? By taking the time to truly understand people. From there, we provide support, services, solutions, and career paths that meet their individual needs and desires.

Today, we're on a journey of transformation. Leveraging technology and creativity to become a future-ready learning organisation. But for all that change, our strategic ambition is consistently clear and bold, which is to be Asia's leading financial services partner for a sustainable future.

We invite you to build the bank of the future. Innovate the way we deliver financial services. Work in friendly, supportive teams. Build lasting value in your community. Help people grow their assets, business, and investments. Take your learning as far as you can. Or simply enjoy a vibrant, future-ready career.

Your Opportunity Starts Here.

What's Your Role?

As a Credit Risk Management Specialist at OCBC, you'll play a critical role in ensuring the bank's lending activities are secure and sustainable. You'll work closely with stakeholders to identify and mitigate credit risks, making a tangible impact on the bank's bottom line. It's a challenging yet rewarding role that requires a unique blend of analytical and interpersonal skills.

How you succeed

To excel in this role, you'll need to stay ahead of the curve, anticipating and responding to changes in the market and the economy. You'll work collaboratively with cross-functional teams to develop and implement effective credit risk management strategies, leveraging data and insights to inform your decisions. Your ability to balance risk and reward will be crucial in driving business growth while maintaining a strong risk profile.

What You Will Be Doing

• Analyze credit data and market trends to identify potential risks and opportunities
• Develop and maintain credit risk models and frameworks to assess borrower creditworthiness
• Collaborate with stakeholders to develop and implement credit risk management strategies
• Conduct regular portfolio reviews to identify areas of risk and opportunity
• Provide insights and recommendations to inform lending decisions

What We Are Looking For

• A degree in a quantitative field such as mathematics, statistics, or economics
• At least 3 years of experience in credit risk management or a related field
• Strong analytical and problem-solving skills, with the ability to interpret complex data
• Excellent communication and interpersonal skills, with the ability to work effectively with stakeholders
• Knowledge of credit risk management principles and practices, including credit risk modeling and portfolio management
• Proficient in programming languages such as Python or R

What We Offer

Competitive base salary. A suite of holistic, flexible benefits to suit every lifestyle. Community initiatives. Industry-leading learning and professional development opportunities. Your wellbeing, growth and aspirations are every bit as cared for as the needs of our customers.

What you will be doing:

• Analyze credit data and market trends to identify potential risks and opportunities
• Develop and maintain credit risk models and frameworks to assess borrower creditworthiness
• Collaborate with stakeholders to develop and implement credit risk management strategies
• Conduct regular portfolio reviews to identify areas of risk and opportunity
• Provide insights and recommendations to inform lending decisions

What we are looking for:

• A degree in a quantitative field such as mathematics, statistics, or economics
• At least 3 years of experience in credit risk management or a related field
• Strong analytical and problem-solving skills, with the ability to interpret complex data
• Excellent communication and interpersonal skills, with the ability to work effectively with stakeholders
• Knowledge of credit risk management principles and practices, including credit risk modeling and portfolio management
• Proficient in programming languages such as Python or R