Director, Retail Credit Risk Policy & Governance

Andrea Mak; Hong Kong; On-site; HKD 600,000 - 900,000; Full time

Job summary

Andrea Mak in Hong Kong seeks a senior risk policy professional to develop and govern credit risk policies for retail lending. You will translate modelling insights into actionable rules and ensure compliance with HKMA requirements, while supporting product launches and stakeholder reporting.

You will work with analytics, underwriting and compliance teams to drive policy adherence and respond to audits, balancing risk control with business objectives.

Qualifications

• Bachelor's degree in Finance, Statistics, Mathematics, or related field.
• FRM preferred.
• Solid banking background with lending/retail credit risk experience.
• Deep understanding of Hong Kong retail lending regulatory landscape.

Responsibilities

• Develop, review and roll-out credit risk policies, standards and control frameworks.
• Own end-to-end policy governance: draft, revise and socialise underwriting rules and exceptions.
• Collaborate with analytics/modelling to translate insights into business rules.
• Conduct portfolio risk review, identify trends and propose policy adjustments.
• Support new lending product launches with risk controls and compliance.
• Prepare risk assessment papers and management reports for risk committees.
• Partner with business, underwriting, operation and compliance teams.
• Respond to regulatory queries and audit findings related to credit risk policies.

Skills

Credit risk policy

Policy governance

Model interpretation

Stakeholder communication

Regulatory compliance

Education

Bachelor's degree in Finance/Statistics/Mathematics

Job description

Andrea Mak in Hong Kong seeks a senior risk policy professional to develop and govern credit risk policies for retail lending. You will translate modelling insights into actionable rules and ensure compliance with HKMA requirements, while supporting product launches and stakeholder reporting.

You will work with analytics, underwriting and compliance teams to drive policy adherence and respond to audits, balancing risk control with business objectives.