Front Office Credit Risk (Private Wealth Management)

Osmium Consulting Group Limited; Hong Kong; On-site; HKD 900,000 - 1,200,000; Full time

Job summary

Osmium Consulting Group Limited in Hong Kong seeks a senior risk and margin financing specialist to oversee growth in wealth management financing and risk controls. You will monitor daily margin exposure, optimize collateral frameworks, and collaborate with RMs and Sales to resolve deficits while shaping policy and bespoke lending solutions for UHNW clients.

Deep knowledge of equity markets, derivatives, and cross-border financing, with fluency in English and Mandarin to engage regional

Qualifications

• Bachelor’s degree or higher is required.
• At least 5 years in financial services with margin financing or SBL exposure.
• Experience in 1LoD control, credit risk analysis, or credit approval is preferred.
• Strong HK/US equity market knowledge and risk of margin trading and derivatives.
• Fluent in English and Mandarin for regional interaction.

Responsibilities

• Facilitate and optimize wealth management financing limits and margin ratio applications; conduct rigorous internal risk analyses.
• Monitor daily margin exposure, asset concentration, and portfolio liquidity across UHNW client accounts.
• Collaborate with Relationship Managers and Sales to resolve margin deficits and collateral shortfalls.
• Formulate and upgrade internal margin financing policies, haircut frameworks, and guidelines.
• Lead bespoke margin loan negotiations with internal stakeholders across Legal, Compliance, Risk Management, and Operations.
• Explore equity financing frameworks and OTC derivative-backed structures, including TRS and Repo.

Skills

Risk monitoring

Stakeholder collaboration

Financial analysis

Regulatory compliance

Education

Bachelor's degree

Master's degree advantageous

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.