Lead, Credit Initiations

Standard Chartered; Hong Kong; Hybrid; HKD 540,000 - 780,000; Full time

Benefits offered by this job

Competitive salary

Flexible working options

Wellbeing programs

Learning and development

Job summary

Standard Chartered in Hong Kong seeks an experienced Credit Initiation professional to underwrite unsecured lending products and approve within delegated authority. You will review credit reports, financials, and documentation to assess creditworthiness and ensure policy adherence.

The role focuses on risk controls, process improvements, and collaboration with multiple stakeholders to drive underwriting excellence and timely credit decisions.

Qualifications

• 5–8 years of experience in Credit Initiation Operation on unsecured loan products and credit cards.
• Bachelor degree or an equivalent professional qualification.
• English and Chinese language skills.
• Strong self-motivation with good project management and interpersonal skills.
• Ability to bring divergent ideas to create new and valuable solutions.
• Resilience to stress and ability to adapt to changing priorities.

Responsibilities

• Assessing and approving unsecured lending products within delegated authority.
• Review and analyze applicants’ credit reports, financial statements and other documents.
• Quality assurance in underwriting and manage the credit approval process turnaround time.
• Support launch of new products/projects and drive changes in underwriting processes.
• Design and review operation flows; support UAT and implementation.
• Collaborate with stakeholders on risk identifications in post-approval review.

Skills

Credit underwriting

Credit initiation

Financial analysis

English/Chinese bilingual

Project management

Interpersonal skills

Resilience

Education

Bachelor degree or equivalent

Job description

About Mox

Mox is built by and for the ones who aspire to live life to the fullest – we call them Generation Mox! The name Mox reflects the endless opportunities we can create, - Mobile eXperience; Money eXperience; Money X (multiplier), eXponential growth, eXploration… it’s all up for us to define together.

Job Summary

Mox is built by and for the ones who aspire to live life to the fullest – we call them Generation Mox! The name Mox reflects the endless opportunities we can create, - Mobile eXperience; Money eXperience; Money X (multiplier), eXponential growth, eXploration… it’s all up for us to define together.

Why Mox

Everything at Mox – from our products, features, to rewards – is designed based on customer research, tailor made for your needs. We care about what customers care about, especially in data security and privacy. Data ethics is core to everyone here at Mox.

Mox rewards you with an array of banking and lifestyle benefits. Who says banking can’t be fun?

Who are we looking for?

Assessing and approving unsecured lending products within delegated authority

Key Responsibilities

• Perform manual credit underwriting in Unsecured Lending products acquisition and limit increase approval within delegated authority and ensure the credit approvals are complying of Credit Policy and HKMA guidelines
• Review and analyze applicants’ credit reports, financial statements, and other relevant documentation to assess creditworthiness to recommend or approve applications
• Quality assurance in underwriting and well manage on the credit approval process turnaround time
• Facilitate and support the launch of new product/ projects. Lead the Credit Initiation Operation to identify, coordinate, drive and implement the changes
• Design and review operation flows from time to time. Support UAT and implementation for the underwriting process change
• Collaborate and sharing with other stakeholders on risk identifications in post approval review

Risk Management

• Ensure all Credit Initiation policies and procedures comply with Credit Policies and Standards. Ensure proper and updated documentation in place
• Keep abreast of prevailing market developments, industry knowledge, the Bank's policies/ guidelines and regulatory requirements

People & Talent

• As a lead, Credit Initiation Operation in encouraging and promoting an active training and learning environment to facilitate excellence in risk management, risk awareness, behaviors and accountability

Governance

• Embed the Mox’s values and code of conduct in Credit underwriting to ensure that adherence with the highest standards of ethics, and compliance with relevant policies, processes and regulations among employees forms part of the culture
• Accountable for satisfactory closure of issues / gaps arising from Internal and external Audits, peer reviews and regulatory reviews

Skills And Experience

• With at least 5-8 years of experience in Credit Initiation Operation on unsecured loan products, credit card, preferably in financial industry
• Bachelor degree, or / another equivalent professional qualification
• English, Chinese
• Strong self-motivation and positive attitude with good project management and interpersonal skills
• Ability to bring divergent ideas to create new and valuable solutions
• Resilience to stress, able to unlock full potential and prepare for the future of work

About Standard Chartered

We're an international bank, nimble enough to act, big enough for impact. For more than 170 years, we've worked to make a positive difference for our clients, communities, and each other. We question the status quo, love a challenge and enjoy finding new opportunities to grow and do better than before. If you're looking for a career with purpose and you want to work for a bank making a difference, we want to hear from you. You can count on us to celebrate your unique talents and we can't wait to see the talents you can bring us.

Our purpose, to drive commerce and prosperity through our unique diversity, together with our brand promise, to be here for good are achieved by how we each live our valued behaviours. When you work with us, you'll see how we value difference and advocate inclusion.

Together We

• Do the right thing and are assertive, challenge one another, and live with integrity, while putting the client at the heart of what we do
• Never settle, continuously striving to improve and innovate, keeping things simple and learning from doing well, and not so well
• Are better together, we can be ourselves, be inclusive, see more good in others, and work collectively to build for the long term

What We Offer

In line with our Fair Pay Charter, we offer a competitive salary and benefits to support your mental, physical, financial and social wellbeing.

• Core bank funding for retirement savings, medical and life insurance, with flexible and voluntary benefits available in some locations.
• Time-off including annual leave, parental/maternity (20 weeks), sabbatical (12 months maximum) and volunteering leave (3 days), along with minimum global standards for annual and public holiday, which is combined to 30 days minimum.
• Flexible working options based around home and office locations, with flexible working patterns.
• Proactive wellbeing support through Unmind, a market-leading digital wellbeing platform, development courses for resilience and other human skills, global Employee Assistance Programme, sick leave, mental health first-aiders and all sorts of self-help toolkits
• A continuous learning culture to support your growth, with opportunities to reskill and upskill and access to physical, virtual and digital learning.
• Being part of an inclusive and values driven organisation, one that embraces and celebrates our unique diversity, across our teams, business functions and geographies - everyone feels respected and can realise their full potential.