Front Office Credit Risk (Private Wealth Management)

Osmium Consulting Group; Hong Kong; On-site; HKD 900,000 - 1,500,000; Full time

Job summary

Osmium Consulting Group in Hong Kong seeks an experienced finance professional to optimize margin financing limits and drive risk-aware growth across UHNW and private banking accounts.

You will lead policy governance, bespoke financing negotiations, and the development of innovative equity financing structures such as Reverse SBL, Repo, and TRS while collaborating with Legal, Compliance, Risk, and Operations teams. Fluency in English and Mandarin is essential.

Qualifications

• Education: Bachelor’s degree or above; Master’s degree in Finance with STEM is a strong advantage.
• Experience: Minimum 5 years in financial services with exposure to Margin Financing, Stock Pledge, or Securities Lending & Borrowing (SBL).
• Risk Domain: Prior 1LoD risk control or credit risk experience is preferred.
• Market Knowledge: Strong understanding of HK/US equity markets and risks in margin trading and structured financing.
• Commercial Acumen: Understanding UHNW/corporate clients and cross-border financing demands.
• Languages: Fluent in English and Mandarin (spoken and written).

Responsibilities

• Facilitate and optimize wealth management financing limits and margin ratio applications.
• Proactively monitor margin exposure, asset concentration, and portfolio liquidity across UHNW accounts.
• Formulate, maintain, and upgrade internal margin financing policies and guidelines.
• Lead negotiation of complex margin loans and structured lending solutions with Legal, Compliance, Risk, and Operations.
• Explore and design alternative equity financing frameworks and OTC derivative-backed structures (Reverse SBL, Repo, TRS).
• Develop client-facing collateral and training materials for front-line sales teams.

Skills

Financial analysis

Risk management

Strategic thinking

Fluent English

Fluent Mandarin

Stakeholder communication

Education

Bachelor's degree or above

Master's degree in Finance/STEM

Job description

• Business Growth & Limit Management: Facilitate and optimize wealth management financing limits and margin ratio applications; conduct rigorous internal risk analyses to drive institutional and retail margin business expansion.
• Risk Monitoring & First Line Defense (1LoD): Proactively monitor daily margin exposure, asset concentration, and portfolio liquidity across UHNW client accounts; collaborate closely with Relationship Managers (RMs) and Sales teams to resolve margin deficits and collateral shortfalls promptly.
• Policy & Guideline Governance: Formulate, maintain, and continuously upgrade internal margin financing policies, haircut frameworks, and operational guidelines aligned with evolving market dynamics.
• Bespoke Transaction Negotiation: Act as the lead structural facilitator to negotiate complex, custom-made margin loans and structured lending solutions with internal stakeholders across Legal, Compliance, Risk Management, and Operations.
• Product Innovation & Equity Financing: Explore, design, and expand alternative equity finance frameworks and OTC derivative-backed financing structures, including Reverse SBL, Repo, Total Return Swaps (TRS), and equity derivatives.
• Marketing & Client Enablement: Formulate and synthesize structured lending business collateral, including high-net-worth client profiles, complex financing case studies, pitch decks/scripts, and investor education resources for the front-line sales force.

Qualifications & Requirements:

• Education: Bachelor’s degree or above. A Master’s degree or an interdisciplinary background combining Finance with Science, Technology, Engineering, or Mathematics (STEM) is a strong advantage.
• Experience: Minimum 5 years of experience in the financial services industry, with direct exposure to Margin Financing, Stock Pledge, or Securities Lending & Borrowing (SBL) within Private Banking, Wealth Management, or Prime Brokerage.
• Risk Domain Expertise: Prior experience in a First Line of Defense (1LoD) business control, credit risk analysis, or credit approval framework is highly preferred.
• Market Knowledge: Solid understanding of the Hong Kong and US equity markets, with deep technical knowledge of risks associated with margin trading, structured financing, and derivative structures (TRS, Repo).
• Commercial Acumen: Strong understanding of UHNW/corporate client characteristics, cross-border financing demands, funding needs, and trading behaviors.
• Languages: Fluent in English and Mandarin (written and spoken) to seamlessly interact with regional stakeholders and corporate clients.