Head of Credit Risk (Risk Management Department)

Bank of Dongguan International Limited; Hong Kong; Vor Ort; HKD 1.500.000 - 2.600.000; Vollzeit

Zusammenfassung

Bank of Dongguan International Limited is seeking a seasoned Head of Credit Risk to lead the risk management function and promote a strong risk culture across corporate, SME, retail, and digital banking lending. You will develop policies, monitor exposures, and ensure regulatory compliance.

The role requires 10–12 years in credit risk with at least 5 years in a managerial capacity, plus strong leadership, communication, and analytical skills, and fluency in English, Cantonese, and Putonghua.

Qualifikationen

• Bachelor's degree or above in Finance, Economics, Risk Management, Accounting, Business Administration, or related discipline.
• 10–12 years banking experience in credit risk management, with at least 5 years in a managerial capacity.
• Strong experience in credit policy formulation, portfolio monitoring, problem loan management, and regulatory compliance.
• Sound knowledge of corporate, SME, and retail banking products and credit risk practices.
• Familiarity with HKMA regulations, Basel standards, IFRS 9, and industry best practices.
• Experience in retail credit approval and underwriting is advantageous.
• Strong analytical, leadership, communication, and stakeholder management skills.
• Proficiency in written and spoken English, Cantonese, and Putonghua.

Aufgaben

• Support the Head of Risk Management Department in managing the Bank's credit risk function.
• Develop, review, and enhance credit risk policies, risk appetite statements, risk limits, and standards across product lines.
• Conduct independent risk reviews of credit portfolios to ensure compliance with risk appetite and regulatory requirements.
• Participate in developing new lending products and business initiatives with independent risk assessment.
• Monitor portfolio quality, large exposures, concentration risks, early warning indicators, and loan classifications.
• Coordinate with external credit bureaux and establish credit reference policies.
• Ensure compliance with HKMA requirements and coordinate audits and regulatory examinations.
• Support enhancement of risk models, systems, and reporting tools, including UAT.
• Review and approve retail lending applications within delegated authority.
• Prepare management information and risk reports for senior committees.
• Perform other duties as assigned.

Kenntnisse

Credit risk management

Leadership

Regulatory compliance

Portfolio monitoring

Credit policy formulation

Analytical skills

Stakeholder management

Communication

Financial analysis

Multilingual (English, Cantonese, Putō

Ausbildung

Bachelor's degree or above in Finance, Economics, Risk Management, Accounting, Business Administration, or related discipline

Jobbeschreibung

Head of Credit Risk (Risk Management Department)

Support the Head of Risk Management Department in managing the Bank's credit risk function and promoting a strong risk culture.

Develop, review, and enhance credit risk policies, risk appetite statements, risk limits, and risk management standards covering corporate banking, SME financing, retail banking, digital banking, and other lending products.

Conduct independent risk reviews of credit portfolios and lending activities to ensure compliance with the Bank's risk appetite and regulatory requirements.

Participate in the development of new lending products and business initiatives, providing independent risk assessment and recommendations.

Monitor portfolio quality, large exposures, concentration risks, early warning indicators, loan classification, and problem loan management to ensure prudent risk management.

Establish and maintain policies relating to credit reference agencies and coordinate with external credit bureaux, including CCRA and other relevant industry bodies.

Ensure compliance with HKMA requirements and other applicable regulatory standards, and coordinate regulatory examinations, audits, and reviews relating to credit risk management.

Support the enhancement of credit risk management systems, models, and reporting tools, including participation in system implementation and user acceptance testing.

Review and approve retail lending applications within delegated authority limits and in accordance with the Bank's credit policies and underwriting standards.

Prepare management information and credit risk reports for submission to senior management committees and the Head of Risk Management Department.

Perform other duties and projects as assigned by the Head of Risk Management Department and senior management.

Requirements:

Bachelor's degree or above in Finance, Economics, Risk Management, Accounting, Business Administration, or a related discipline.

Minimum 10-12 years' banking experience in credit risk management, with at least 5 years in a managerial capacity.

Strong experience in credit policy formulation, portfolio monitoring, problem loan management, and regulatory compliance.

Sound knowledge of corporate, SME, and retail banking products and credit risk management practices.

Familiarity with HKMA regulations, Basel standards, IFRS 9, and industry best practices.

Experience in retail credit approval and underwriting would be an advantage.

Strong analytical, leadership, communication, and stakeholder management skills.

Proficiency in written and spoken English, Cantonese, and Putonghua.