Head of Credit Card Risk, Policy & Operations

Bank of Communications Co.,Ltd.; Hong Kong; On-site; HKD 900,000 - 1,300,000; Full time

Job summary

Bank of Communications Co., Ltd. in Hong Kong seeks an experienced Credit Card Risk Manager to lead a team of credit approvers and oversee unsecured lending quality.

The role requires deep knowledge of credit operations, risk assessment, and strong stakeholder communication across English, Cantonese and Putonghua. The position emphasizes implementing robust credit policies, monitoring portfolio risk, and driving compliance with evolving regulatory guidelines within a major international bank

Qualifications

• Degree holder or above in Business Administration, Credit Risk or related disciplines.
• 10+ years solid experience in unsecured lending in credit card / unsecured personal loan.
• Good knowledge of credit operation, systems, guidelines and regulatory requirements.
• Strong credit analytical and risk assessment skills.
• Good verbal and written communication skills.
• Effective team management skill.
• Proficiency in Putonghua, Cantonese and English.

Responsibilities

• Lead a team of credit approvers to review, assess, and approve credit card applications within delegated lending authority and in compliance with internal policies.
• Manage and monitor credit quality of card portfolio.
• Formulate / revise credit policy, credit process, credit manuals / SOPs in line with market changes and business strategy.
• Participate in system projects to optimize credit operation, credit risk and AML/fraud risk.
• Handle internal and external customer enquiries / complaints.

Skills

Credit risk

Credit analysis

Risk assessment

Team management

Verbal & written communication

Multilingual (English/Putonghua/Canton

Education

Business Administration degree

Job description

Bank of Communications Co., Ltd. in Hong Kong seeks an experienced Credit Card Risk Manager to lead a team of credit approvers and oversee unsecured lending quality.

The role requires deep knowledge of credit operations, risk assessment, and strong stakeholder communication across English, Cantonese and Putonghua. The position emphasizes implementing robust credit policies, monitoring portfolio risk, and driving compliance with evolving regulatory guidelines within a major international bank