- Head of department
- Banking experience is a must
- Competitive package
Responsibilities
- Supervise two teams -- one team of unsecured and secured retail approvers to assess and approve credit application of retail banking and wealth management; and; another team of risk analytic managers.
- Act as a senior approver in approving/endorsing large-ticket applications and applications with exceptions.
- Formulate credit strategy to support the development of retail banking and wealth management.
- Formulate credit policies and procedures for retail banking and wealth management.
- Be a leader in streamlining and digitalizing the credit process of retail banking and wealth management, including assessments, approvals, loan drawdown and collection.
- Build a robust mechanism for portfolio reporting and limit monitoring.
- Monitor the portfolio quality of retail banking and wealth management.
- Work with business units in new product developments of lending related business.
- Formulate bank wide credit policy and procedures.
- Develop, maintain and validate credit ratings and scorecards for retail banking and corporate banking.
- Develop and maintain the loan provision mechanism in accordance with IFRS/HKFRS 9 standards.
- Handle stress testing, including policies, process and control mechanism on the risk side.
- Handle ICAAP and capital management, including policies, process and implementation on the risk side.
Skills Required
- Academic background in mathematics, statistics and decision science.
- More than 15 years of experiences in retail/SME credit, including approvals, policy, portfolio management and/or risk analytics in a demanding environment.
- Hands-on experiences in credit rating and scorecard development and validation.
- Knowledgeable in regulatory requirements in retail credit, wealth management lending, stress testing, ICAAP and scorecard development.
- Well-versed in loan provision methodology and implementation under IFRS9/HKFRS9.
- Experienced in handing the HKMA’s Sandbox applications.
- Have successful examples in handling large-scale credit and/or risk projects
- Understand the culture and environment of virtual banks preferable.