Credit Approval Manager, E-Commerce (Business Banking)

ZA; Hong Kong; On-site; HKD 7,200,000 - 8,800,000; Full time

Job summary

ZA in Hong Kong seeks an experienced corporate credit professional to lead end-to-end credit approval and risk management for e-commerce and digital economy clients.

The role combines traditional underwriting with data-informed judgment to assess borrowers in e-commerce, cross-border trade, and supply chain finance, guiding terms and monitoring risk. Travel to Shenzhen may be required as part of portfolio reviews and on-site assessments.

Qualifications

• Deep corporate/SME credit analysis and approval experience.
• Strong financial statement analysis and cash flow assessment.
• Covenant structuring and credit term negotiation.
• Familiarity with e-commerce lending, cross-border trade, and supply chain finance.
• Excellent written and spoken English and Chinese (Mandarin/Cantonese).

Responsibilities

• Credit Approval & Assessment: conduct risk assessments for new and annual reviews.
• Structure credit terms and approve credits within delegated authority.
• Ensure decisions comply with risk appetite, policies, and regulatory requirements.
• Monitor creditworthiness, identify early warning signals, and take mitigating actions.
• Prepare weekly/monthly risk reporting and conduct portfolio reviews.
• Post-approval monitoring, site visits and on-site inspections when needed.
• Policy & Process Development: help design end-to-end credit processes for ecommerce lending.
• Contribute to policy refinement using ecommerce data, repayment behaviour, and supply chain metrics.
• Support ECL reporting and credit portfolio management; collaborate with data/tech teams to automate processes.

Job description

This role is responsible for end-to-end credit approval and risk management for corporate lending in the e-commerce and digital economy sector. The incumbent will apply both traditional credit underwriting expertise and data-informed judgment to assess borrowers operating in e-commerce, cross-border trade, and supply chain finance environments.

Key Responsibilities

• Credit Approval & Assessment
• Conduct thorough credit risk assessments on new credit applications and annual reviews for corporate and SME clients operating in e-commerce and cross-border trade sectors
• Structure appropriate credit terms and conditions, and approve credits within delegated authority
• Ensure all credit decisions comply with the bank's risk appetite, credit policies, and applicable regulatory requirements
• Identify early warning signals and monitor the creditworthiness of borrowers on an ongoing basis, taking prompt risk mitigating actions to minimize potential credit loss
• Conduct regular portfolio reviews through weekly and monthly reporting, including risk monitoring, early warning tracking, and in-cycle credit limit adjustments
• Conduct post-approval monitoring, customer visits and/or on-site inspections where necessary
• Policy & Process Development
• Assist the department head in designing, developing, and implementing end-to-end credit processes tailored to e-commerce lending scenarios
• Contribute to credit policy formulation and refinement, drawing on e-commerce platform data, repayment behaviour, and supply chain performance metrics
• Support ECL reporting, credit portfolio management, and stress testing analysis; Collaborate with data, technology, and business teams to streamline and automate manual credit processes

Requirements

• Minimum 6 years of corporate or SME credit analysis / approval experience, with demonstrated approving authority at HKD 8M or above (or equivalent credit decision-making responsibility at a non-bank lender)
• Experience at a Hong Kong licensed bank or financial institution (e.g. fintech / alternative lenders); background in commercial credit approval, supply chain finance, or trade finance preferred
• Solid understanding of corporate credit fundamentals, including financial statement analysis, cash flow assessment, collateral evaluation, and covenant structuring
• Familiarity with e-commerce business models, cross-border trade dynamics, and supply chain finance structures; direct experience in e-commerce or platform-based credit assessment is a strong plus
• Strong written and spoken communication skills in English and Chinese (Mandarin and/or Cantonese)
• Ability to work independently, manage multiple credit reviews concurrently, and deliver under tight deadlines
• Willingness to travel to Shenzhen as required

Mandatory Reference Checking Scheme

Mandatory Reference Checking Scheme (MRC Scheme) may be applicable for certain relevant positions. It is a standardised reference-checking arrangement that is designed to support the integrity of "authorized institutions" regulated by the Hong Kong Monetary Authority (HKMA). Pursuant to the MRC scheme, our Bank will conduct a mandatory reference check by requesting information from each relevant former and current employer of applicants. For more details about the MRC Scheme, please visit the website of the Hong Kong Association of Banks: https://www.hkab.org.hk/en/page/5/mandatory-reference-checking-scheme-phase-2

Applicants who are not invited for an interview within the 8 weeks after submission of application may assume their applications unsuccessful. We may review applications received for suitability for other posts within the Company. All personal data provided will be treated in strict confidence and used strictly for recruitment-related purposes only. We shall retain the personal data of unsuccessful applicants for a period of 24 months upon receipt of such application.