Risk and Compliance – Portfolio, Policy and Control, Wholesale Credit Risk Management

Hang Seng's Risk and Compliance ("RKM") strives to maintain a well-balanced risk profile for the Bank while enabling businesses to thrive. Our team actively manages a varied and dynamic range of risk types. We are dedicated to collaborate with businesses, other functional units and regulatory bodies to develop and implement robust and customized risk management frameworks and measures to maintain the strong market position of the Bank.

Portfolio, Policy and Control of Wholesale Credit Risk Management is responsible for review of portfolio management framework, formulation and review of credit policies, procedures and guidelines for corporate banking, private banking and SME segments, oversight on the credit related matters of new product development, and also regulatory reporting for Banking Exposures Limits Rule.

We are currently seeking a high caliber professional to join our department as Credit Policy Manager.

Principal responsibilities

• The candidate will work closely with the offshore resources and support the Senior Credit Policy Manager and Portfolio Risk Manager in carrying out the following job responsibilities: 
• Preparing and reviewing the credit policies, procedures and guidelines in relation to corporate banking, private banking and SME segments,
• Coordinating with business units on all credit related matters including new product development.  
• Supporting the co-ordination of system enhancements and procedural manual updates, and to review credit information reports.  
• Reviewing dashboards for Risk Management Meeting
• Reviewing meeting materials for Wholesale Credit Portfolio Oversight Committee and other regular meetings such as Country Oversight Meeting with the regional team
• Assisting the portfolio risk manager to conduct the annual review of Country/Territory Risk Plan
• Performing the review of the Bank’s strategy/appetite on customers in different industrial sectors and trend analysis of actual position against the plan approved.
• Conducting the review and gap analysis of credit portfolio management framework of HASE.
• Coordinating with Risk and Business/Functional Units to streamline the credit portfolio management tasks.
• Ad hoc MI/Project as per the Senior Management’s request.

Requirements

• Diploma or university degree in Finance, Economics or a related discipline 
• Minimum of five years' banking experience in corporate credit risk management
• ECF certificate holder (i.e. professional of HKIB) will be a preferred advantage
• Good credit sense, with strong communication and interpersonal skills
• Strong analytical skill and proficient in data analysis and application software such as MS Excel and PowerPoint
• Proficiency in both English and Chinese