Credit Management Lead - Standard Chartered

Standard Chartered Bank (Hong Kong) Ltd; Hong Kong; On-site; HKD 900,000 - 1,300,000; Full time

Job summary

Standard Chartered Bank (Hong Kong) Ltd is seeking an experienced Credit Initiation professional to assess unsecured lending products and perform manual underwriting within delegated authority. You will review credit reports, financial statements, and ensure compliance with Credit Policies and HKMA guidelines while driving timely approvals.

The role requires 5–8 years in Credit Initiation Operations on unsecured products, a bachelor’s degree or equivalent, and strong project management and

Qualifications

• 5–8+ years of experience in Credit Initiation Operation on unsecured loan products and credit cards.
• Experience assessing credit reports and financial statements for risk.
• Ability to manage underwriting workflow and compliance with HKMA standards.

Responsibilities

• Assess unsecured lending products within delegated authority.
• Perform manual credit underwriting for unsecured lending acquisitions and limits.
• Review applicants' credit reports and financials to assess creditworthiness.
• Ensure quality assurance and timely credit approvals.
• Lead and support launch of new products/projects in underwriting.
• Design and review operation flows; support UAT and implementation.

Skills

Credit underwriting

Risk management

Project management

Interpersonal skills

Detail oriented

Education

Bachelor degree or equivalent

Tools

Credit policy

Job description

Mox rewards you with an array of banking and lifestyle benefits. Who says banking can't be fun?

Who are we looking for?

Assessing and approving unsecured lending products within delegated authority

Perform manual credit underwriting in Unsecured Lending products acquisition and limit increase approval within delegated authority and ensure the credit approvals are complying of Credit Policy and HKMA guidelines

Review and analyze applicants' credit reports, financial statements, and other relevant documentation to assess creditworthiness to recommend or approve applications

Quality assurance in underwriting and well manage on the credit approval process turnaround time

Facilitate and support the launch of new product/ projects. Lead the Credit Initiation Operation to identify, coordinate, drive and implement the changes

Design and review operation flows from time to time. Support UAT and implementation for the underwriting process change

Collaborate and sharing with other stakeholders on risk identifications in post approval review

Ensure all Credit Initiation policies and procedures comply with Credit Policies and Standards. Ensure proper and updated documentation in place

Keep abreast of prevailing market developments, industry knowledge, the Bank's policies/ guidelines and regulatory requirements

Key Responsibilities

People & Talent

As a lead, Credit Initiation Operation in encouraging and promoting an active training and learning environment to facilitate excellence in risk management, risk awareness, behaviors and accountability

Governance

Embed the Mox's values and code of conduct in Credit underwriting to ensure that adherence with the highest standards of ethics, and compliance with relevant policies, processes and regulations among employees forms part of the culture

Accountable for satisfactory closure of issues / gaps arising from Internal and external Audits, peer reviews and regulatory reviews

Skills and Experience

With at least 5-8 years of experience in Credit Initiation Operation on unsecured loan products, credit card, preferably in financial industry

Bachelor degree, or / another equivalent professional qualification

Strong self-motivation and positive attitude with good project management and interpersonal skills

Ability to bring divergent ideas to create new and valuable solutions

Resilience to stress, able to unlock full potential and prepare for the future of work

Together we:

Do the right thing

and are assertive, challenge one another, and live with integrity, while putting the client at the heart of what we do

Never settle,

continuously striving to improve and innovate, keeping things simple and learning from doing well, and not so well

Are better together,

we can be ourselves, be inclusive, see more good in others, and work collectively to build for the long term

What we offer

In line with our Fair Pay Charter,

we offer a competitive salary and benefits to support your mental, physical, financial and social wellbeing.

Core bank funding for retirement savings, medical and life insurance,

with flexible and voluntary benefits available in some locations.

Time-off

including annual leave, parental/maternity (20 weeks), sabbatical (12 months maximum) and volunteering leave (3 days), along with minimum global standards for annual and public holiday, which is combined to 30 days minimum.

Flexible working

options based around home and office locations, with flexible working patterns.

Proactive wellbeing support

through Unmind, a market-leading digital wellbeing platform, development courses for resilience and other human skills, global Employee Assistance Programme, sick leave, mental health first-aiders and all sorts of self-help toolkits

A continuous learning culture

to support your growth, with opportunities to reskill and upskill and access to physical, virtual and digital learning.

Being part of an inclusive and values driven organisation,

one that embraces and celebrates our unique diversity, across our teams, business functions and geographies - everyone feels respected and can realise their full potential.

Unlock job insights

Hirer responsiveness Salary match Number of applicants

The world's best international bank, leading the way in Asia, Africa and the Middle East Standard Chartered PLC, listed on both London and Hong Kong stock exchanges, ranks among the top 25 companies in the FTSE-100. The London-headquartered Group has operated for over 150 years in some of the world's most dynamic markets. Its income and profits have more than doubled over the last five years primarily as a result of organic growth and supplemented by acquisitions.

Standard Chartered aspires to be the best international bank for its customers across its markets. The Bank derives more than 90 per cent of its operating income and profits from Asia, Africa and the Middle East, generated from its Wholesale and Consumer Banking businesses. The Group has around 1,750 branches and outlets located in over 70 countries.

The extraordinary growth of its markets and businesses creates exciting and challenging international career opportunities. Leading by example to be the right partner for its stakeholders, the Group is committed to building a sustainable business over the long term and is trusted worldwide for upholding high standards of corporate governance, social responsibility, environmental protection and employee diversity. It employs 75,000 people, nearly half of who are women. The Group's employees are of 115 nationalities, of which 60 are represented among senior management.

Standard Chartered is an equal opportunity employer. We have a meritocratic culture where each individual employee is valued and respected for who they are as a person and for what they bring to the organisation. Standard Chartered is committed to diversity and inclusion. We believe that a work environment which embraces diversity will enable us to get the best out of the broadest spectrum of people to sustain strong business performance and competitive advantage.

The world's best international bank, leading the way in Asia, Africa and the Middle East Standard Chartered PLC, listed on both London and Hong Kong stock exchanges, ranks among the top 25 companies in the FTSE-100. The London-headquartered Group has operated for over 150 years in some of the world's most dynamic markets. Its income and profits have more than doubled over the last five years primarily as a result of organic growth and supplemented by acquisitions.

Standard Chartered aspires to be the best international bank for its customers across its markets. The Bank derives more than 90 per cent of its operating income and profits from Asia, Africa and the Middle East, generated from its Wholesale and Consumer Banking businesses. The Group has around 1,750 branches and outlets located in over 70 countries.

The extraordinary growth of its markets and businesses creates exciting and challenging international career opportunities. Leading by example to be the right partner for its stakeholders, the Group is committed to building a sustainable business over the long term and is trusted worldwide for upholding high standards of corporate governance, social responsibility, environmental protection and employee diversity. It employs 75,000 people, nearly half of who are women. The Group's employees are of 115 nationalities, of which 60 are represented among senior management.

Standard Chartered is an equal opportunity employer. We have a meritocratic culture where each individual employee is valued and respected for who they are as a person and for what they bring to the organisation. Standard Chartered is committed to diversity and inclusion. We believe that a work environment which embraces diversity will enable us to get the best out of the broadest spectrum of people to sustain strong business performance and competitive advantage.

The world's best international bank, leading the way in Asia, Africa and the Middle East Standard Chartered PLC, listed on both London and Hong Kong stock exchanges, ranks among the top 25 companies in the FTSE-100. The London-headquartered Group has operated for over 150 years in some of the world's most dynamic markets. Its income and profits have more than doubled over the last five years primarily as a result of organic growth and supplemented by acquisitions.

Standard Chartered aspires to be the best international bank for its customers across its markets. The Bank derives more than 90 per cent of its operating income and profits from Asia, Africa and the Middle East, generated from its Wholesale and Consumer Banking businesses. The Group has around 1,750 branches and outlets located in over 70 countries.

The extraordinary growth of its markets and businesses creates exciting and challenging international career opportunities. Leading by example to be the right partner for its stakeholders, the Group is committed to building a sustainable business over the long term and is trusted worldwide for upholding high standards of corporate governance, social responsibility, environmental protection and employee diversity. It employs 75,000 people, nearly half of who are women. The Group's employees are of 115 nationalities, of which 60 are represented among senior management.

Standard Chartered is an equal opportunity employer. We have a meritocratic culture where each individual employee is valued and respected for who they are as a person and for what they bring to the organisation. Standard Chartered is committed to diversity and inclusion. We believe that a work environment which embraces diversity will enable us to get the best out of the broadest spectrum of people to sustain strong business performance and competitive advantage.

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