Responsibilities:

• Implement and maintain a consistent and effective credit risk management framework for all credit products under retail banking
• Lead the business and risk analytics function and ensure that sound credit risk policies, strategies and tools are in place to support business growth in a risk-reward justified approach
• Manage and oversee the development, validation and maintenance of predictive risk model(s) such as application scorecard and behavioral scorecard
• Ensure the timely delivery of MIS reports for acquisition and portfolio monitoring
• Evaluate through the regular quantitative analysis, acquisition and portfolio performance review on new product/program, credit card line increase/reduction and portfolio risk analysis for all loan products under Retail Banking aiming at refining credit policy/guidelines and improving efficiency/effectiveness of business/ marketing programs
• Monitor the execution and review of stress testing programs on credit products under Retail Banking, and provide input regarding bankwide stress testing exercise and Supervisory-Driven Stress Test
• Implement, and perform ongoing maintenance and regular (at least annually) model performance review of IRRBB behavioral models 
• Oversee business and risk analytics function to participate in loan/credit system project development, credit rule setting, user acceptance test and subsequent post implementation validation

Responsibilities:

• University degree or above in Finance, Business Administration, Risk Management Science, Statistics or equivalent professional qualification  Master Degree is preferred
• Minimum 8 years’ experience in consumer credit risk management area.
• Profound knowledge in credit policy formulation, risk modeling and scorecard development for both secured and unsecured lending products
• Knowledge of Basel and ICAAP requirements is an advantage
• Strong analytical mind and business sense
• Excellent report writing skill in English and Chinese
• Excellent communication and interpersonal skills with management and working partners
• Strong leadership and project management skills and able to work under pressure
• Good knowledge in MS Word, Excel, PowerPoint and Access. Knowledge in SAS will be an advantage
• Good command of spoken English and Chinese

Please send your application with full resume indicating current and expected salary, and quoting the above reference no.

For other vacancies, please visit our website: http://www.fubonbank.com.hk/

*All personal data provided by job applicants will be used for recruitment purposes only in accordance with the Bank’s Personal Data Information Collection Statement, a copy of which is available on our website: http://www.fubonbank.com.hk/web/html/sh_careers_e.html

Fubon Bank, an identity that reflects the commitment of providing customers with Value Banking Service - "Get More than You Expect" , is also a leading distributor of investment solutions and services, supported by a broad range of products, a talented and dynamic team.

In line with our business expansion, we are inviting committed professionals to join our team. If you have the passion and belief that you can grow with our business, and contribute to our success, capitalize on this career opportunity.