Key Responsibilities & Daily Focus

1. Credit Analysis & Client Vetting:

• Personally perform deep-dive financial analysis on new and existing clients, focusing on:

  • Analyzing audited financial statements, bank references, and trade references. (KYC/ Due Diligence)

  • Using credit scoring models and setting specific credit limits and payment terms.

  • Making final credit recommendations (Approve/Deny) for major accounts.

2. Portfolio Monitoring & Exposure Management:

• Actively monitor the company's total credit exposure, identifying concentrations of risk.

• Track key risk indicators (KRIs) like days sales outstanding (DSO) and past-due invoices.

• Flag high-risk accounts (e.g., clients in volatile industries, those showing financial distress) and lead the action plan to mitigate potential losses.

3. Policy & Process Ownership:

• Draft, implement, and enforce the company's Credit Risk Management Policy.

• Design and document standard operating procedures (SOPs) for the entire credit lifecycle, from client onboarding to collections escalation.

4. Business Partnership & Advisory:

• Serve as the primary credit sign-off for the sales and leasing teams on non-standard deals.

• Advise on contract clauses related to credit, security (e.g., bank guarantees, letters of credit), and collateral.

5. Reporting & Compliance:

• Generate weekly/monthly reports for senior management on:

  • Portfolio health and top exposures.

  • Bad debt write-offs and provision analysis.

  • Industry risk trends affecting the container leasing and shipping sectors.

Mandatory Requirements / Must-Haves

• Industry-Specific Experience: 5+ years in a credit risk management role within B2B businesses. You must understand the specific financial dynamics and client types in this field.

• Core Financial Skills: Proven experience in:

  • Financial Statement Analysis (liquidity, solvency, profitability ratios).

  • Setting Credit Limits and structuring payment terms.

  • Hands-on Client Due Diligence.

• Technical Proficiency: High proficiency in Excel (PivotTables, VLOOKUPs) for data analysis and reporting.

• Language Skills: Fluent in English and Cantonese (written and spoken) is essential for daily communication and reporting. Conversational Mandarin is required for liaising with regional clients and colleagues.

• Qualifications: Bachelor's degree in Finance, Accounting, or a related field. A CPA or CFA certification is highly preferred and may be prioritized.

• Travelling to PRC is required