E‑Commerce Credit Approval & Risk Leader

ZA; Hong Kong; Presencial; HKD 7.200.000 - 8.800.000; Jornada completa

Descripción de la vacante

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.

Formación

• 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).

Responsabilidades

• 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.

Descripción del empleo

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.