Credit Approval Manager, E-Commerce (Business Banking)

ZA Bank Limited; Hong Kong; On-site; HKD 900,000 - 1,300,000; Full time

Job summary

ZA Bank Limited seeks a Credit Approval Manager, E-Commerce for Business Banking. You will lead end-to-end credit approval and risk management for corporate lending in the e-commerce and digital economy, applying underwriting expertise and data-informed judgment to assess borrowers in e-commerce, cross-border trade, and supply chain finance.

The role involves reviewing credit applications, structuring terms, ensuring policy compliance, monitoring risk, and reporting; travel to Shenzhen may be

Qualifications

• Minimum 6 years of corporate or SME credit analysis/approval experience.
• Authority to approve HKD 8M+ credits or equivalent.
• Experience with HK licensed banks or fintechs preferred.
• Solid understanding of financial statement analysis, cash flow, collateral, and covenants.
• Familiarity with e-commerce, cross-border trade, and supply chain finance.
• Strong English and Chinese communication; Mandarin/Cantonese as applicable.

Responsibilities

• Conduct end-to-end credit risk assessments for corporate/SME clients in e-commerce and cross-border trade.
• Structure terms and approve credits within delegated authority.
• Ensure decisions comply with risk appetite, policies, and regulatory requirements.
• Identify early warning signals and monitor borrower creditworthiness; take mitigation actions.
• Conduct portfolio reviews and regular reporting (weekly/monthly).
• Post-approval monitoring, customer visits and on-site inspections as needed.
• Assist in policy development and refinement for end-to-end credit processes.
• Collaborate with data, technology and business teams to streamline processes.

Skills

Credit analysis

Credit approval

Risk management

Financial analysis

Regulatory compliance

English-Chinese communication

Job description

Credit Approval Manager, E-Commerce (Business Banking)

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 mitigation 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

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ZA Bank, licensed by the HKMA in 2019, is Hong Kong's first and largest digital bank. With 800,000 users as of 30 June 2024, it leads the city's digital banking sector in customer base and deposits. ZA Bank's "Community-Driven" approach actively involves users in product development, resulting in tailored financial services for individuals, SMEs, and Web3 enterprises. The bank offers a comprehensive range of services including banking, investment, insurance, and business solutions. ZA Bank continues to innovate in Hong Kong's financial landscape. It operates as a subsidiary of ZA Global, established in 2017, to explore global fintech and insurtech opportunities.

ZA Bank, licensed by the HKMA in 2019, is Hong Kong's first and largest digital bank. With 800,000 users as of 30 June 2024, it leads the city's digital banking sector in customer base and deposits. ZA Bank's "Community-Driven" approach actively involves users in product development, resulting in tailored financial services for individuals, SMEs, and Web3 enterprises. The bank offers a comprehensive range of services including banking, investment, insurance, and business solutions. ZA Bank continues to innovate in Hong Kong's financial landscape. It operates as a subsidiary of ZA Global, established in 2017, to explore global fintech and insurtech opportunities.

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