Responsibilities:

The Credit Risk Manager, Margin and Investment Back Lending will work with in Credit Risk Management on wealth management products; through data and market analysis to provide information and make recommendations to shape credit policies that have direct impact on the overall portfolio growth and profitability performance

• Support business/ product developments by providing feedbacks and information relating to prospective target market segment risks.
• Formulate credit policies/ develop product programs to support new business/product launches.
• Provide insightful analysis of latest market, necessary portfolio analyses and credit performance forecasts, and to review financial proposition with the Business to ensure the  growth.
• Review KPIs and formulate new acquisition policies to reflect changes in risk/ competitive dynamics in the market place. Take necessary action as to attain business goal.
• Support acquisition marketing programs launches through effective management of program risks and profitability.
• Monitor program approval rates and portfolio quality as to maximize approval rates without compromising in new accounts quality.
• Review and ensure that Product Programs are renewed on timely basis.
• Support process streamline in credit evaluation and operations to ensure a more efficient workflow without compromising in controls.
• Support the development of management information systems, which form the statistical base for the formulation and modification of credit policies.
• Liaise with Credit Evaluation, Product and Operation teams to ensure timely reporting of related new business information to senior management.

Requirements:

• University degree in Statistics / Mathematics / Economics/ Computer science or related discipline 
• Solid banking experience in consumer risk management with major financial institution(s) in a managerial capacity.
• Strong analytical power, good problem solving skills along with good judgment.
• Ability to work under pressure and tight schedule.
• Able to work independently as well as in teams.
• Strong communication and interpersonal skills.
• Proficiency in both English and Chinese (written & spoken)

If you are interested please send your full resume in MS Word format, along with salary history and expectation to Daniel Luk (dan.luk @ globalassociates.com) and a cc: copy to cv @ globalassociates.com

Our client is a major company providing both offline and online payment services in Hong Kong.