Front Office Credit Risk - Private Wealth Margin Financing

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

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.