Director- Credit Risk

NexusSearch International Limited; Hong Kong; On-site; HKD 400,000 - 700,000; Full time

Job summary

NexusSearch International Limited is seeking a qualified professional to lead the formulation, rollout and governance of credit risk policies for retail lending in Hong Kong. The role emphasizes alignment with risk appetite, HKMA requirements, and clear policy implementation across underwriting, operations and compliance teams.

You will work closely with analytics to translate model insights into actionable rules, support new product launches and prepare materials for risk committees.

Qualifications

• Experience in lending/retail credit risk policy formulation and implementation.
• Knowledge of Hong Kong retail lending regulatory landscape.
• Strong stakeholder communication and documentation skills.
• FRM preferred.

Responsibilities

• Develop, review and roll-out credit risk policies and control frameworks aligned with risk appetite and HKMA requirements.
• Own end-to-end policy governance: draft, revise, socialise and maintain underwriting rules and exception handling procedures for lending products.
• Interpret model outputs with analytics teams and translate into actionable risk policies and business rules; participation in model validation is a plus.
• Conduct portfolio risk review, identify emerging risk trends, and propose policy adjustments to mitigate loss.
• Support new lending product launches by assessing risk implications and ensuring regulatory compliance.
• Prepare risk assessment papers, management reporting and policy briefing materials for risk committees and senior stakeholders.
• Collaborate with business, underwriting, operations and compliance to implement policies and monitor adherence.
• Respond to regulatory queries and audit findings related to credit risk policies.

Skills

Lending/retail credit risk policy

Credit risk modelling exposure

Stakeholder communication

Education

Bachelor's degree in Finance, Statistics, Mathematics or related disciplines

Job description

Job Responsibilities

• Develop, review and roll-out retail lending credit risk policies, standards and control frameworks aligned with risk appetite and HKMA regulatory requirements.
• Own end-to-end policy governance: draft, revise, socialise and maintain credit underwriting rules, limit framework, approval criteria and exception handling procedures for lending products.
• Work closely with analytics / modelling team to interpret model outputs, translate model insights into actionable risk policies and business rules; participate in model validation review (hands-on modelling experience desirable but not primary requirement).
• Conduct portfolio risk review, identify emerging risk trends, perform gap analysis and propose policy adjustments to mitigate credit loss.
• Support new lending product launch: assess risk implication, define corresponding policy controls and ensure regulatory compliance.
• Prepare risk assessment papers, management reporting and policy briefing materials for risk committee and senior stakeholders.
• Partner with business, underwriting, operation and compliance teams; provide risk advisory, drive policy implementation and monitor policy adherence.
• Respond to regulatory queries, internal / external audit findings related to credit risk policies and controls.

Job Requirements

• Bachelor's degree in Finance, Statistics, Mathematics or related disciplines; FRM preferred.
• lending / retail credit risk experience, heavy focus on risk policy formulation and implementation.
• Nice-to-have: practical exposure to credit risk modelling, stress-testing or model governance.
• Deep understanding of Hong Kong retail lending regulatory landscape and banking risk-management practices.
• Able to balance risk control with commercial business objectives; pragmatic in translating risk principles into operational policies.
• Strong stakeholder communication, documentation and analytical skills.

Fluent in English and Cantonese; working Mandarin.