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Team Head / Manager - Credit Risk Management (Retail Lending)

Job Title: Team Head / Manager - Credit Risk Management (Retail Lending)
Contract Type: Permanent
Location: Hong Kong
Industry:
Salary: Negotiable
Reference: 44168_1603170544
Contact Name: Cardie Siu
Contact Email: cardie.siu@kos-intl.com
Job Published: October 20, 2020 13:09

Job Description

Our client is a reputable retail and commercial bank in hong kong, currently looking for candidates with strong credit management background in Retail Lending Business for the positions below:

Role 1: Team Head, Credit Risk & Fraud Management - (Credit card, Personal Loan and Mortgage Loan)

  • Be the Team Leader of Risk & Fraud Management in Retail Lending Business. You have to lead and manage several teams including loan credit management, account control, card & mortgage credit management, fraud management.
  • Perform the portfolio management review
  • Formulate, review and implement the credit policy for risk control and business growth
  • Maximize the profit by balancing risks and returns as well as manage impairment loss within budget
  • Control Return on risk-weighted assets meeting plan and credit performance ratios including charge off and delinquency benchmarking with market
  • Understand customers' need & external economic environment and set appropriate underwriting guidelines for promoting right/ preferred products

Role 2: Credit Risk Manager - Retail Lending Approval & Credit Management - (Credit Card / Unsecured Lending)

  • Be a core memeber in the team, enhance and review credit policies to optimize credit risk / reward trade-off for credit card/unsecured lending
  • Conduct credit review and approval on new credit card/unsecured lending applications, line increase requests and cash installment applications with lending authority, ensure sound and effective processes to meet service standards and regulatory compliance requirements
  • Monitor and control delinquency, over-limit and charge-off ratios at acceptable levels. Also, monitor and control exception approval and key risk triggers
  • Strengthen approving officer's competence in credit analysis, judgment and making sound credit decision
  • Review the credit card/unsecured lending portfolio quality and submit report to Management

Requirements:

  • Degree in Business or related disciplines
  • Over 10-year experience in retail lending products of which 4 years at managerial position with good understanding in credit management
  • Prudent, initiative, independent, able to work under pressure and detail-oriented;
  • Good interpersonal and communication skill
  • Good command of both spoken and written English and Chinese, Putonghua proficiency is an advantage
  • Strong knowledge of Microsoft Office applications. SAS, SQL and other statistical knowledge is a plus

Click "Apply Now" to apply for this position or call Cardie Siu at +852 3180 4955 for a confidential discussion. All information collected will be kept in strict confidence and will be used for recruitment purpose only.