Lending Business Lead

HashKey Group; Hong Kong; Presencial; HKD 1 000 000 - 2 000 000; Tempo integral

Resumo da oferta

HashKey is building and scaling its Hong Kong lending franchise, covering partner-funded lending and proprietary funding pools. We seek a commercially driven Lending Business Lead to own growth end to end, sourcing capital, originating borrowers, and shaping deal structures to achieve a healthy net interest margin.

You will work closely with Risk, Compliance, Legal, Operations, and Product, leading front-line efforts with funding partners and clients while ensuring alignment with HK regulations

Qualificações

• Must demonstrate verifiable BD / growth / origination outcomes with closed deals or funded lines.
• Hands-on front-office lending or banking experience in HK, with licensed entities.
• Fluency in English, Cantonese and Mandarin.
• Willingness to lead an early-stage lending business against aggressive KPIs.

Responsabilidades

• Source and close funding lines and capital partners for the lending pool.
• Structure commercial terms with funding partners and expand lending capacity.
• Own relationship management with capital providers, brokers, and referral partners.
• Build and run a borrower origination engine across institutions and clients.
• Lead pitching, pricing negotiation, and closing; act as a hands-on commercial leader.

Conhecimentos

BD / Origination

Front-office lending

Partnership development

English

Cantonese

Mandarin

Descrição da oferta de emprego

• Lead pitching, pricing negotiation, and closing
• English, Cantonese, and Mandarin
• Lending Book and Product

Role Overview

HashKey is building and scaling its Hong Kong lending franchise, covering partner-funded lending, proprietary lending from in-house funding pools (including small-loan style facilities), and close collaboration with margin financing.

We are hiring a commercially driven Lending Business Lead to own this business. You will lead growth end to end: source capital, originate borrowers, manage the economics of the loan book, and scale the franchise. Most of your time will be spent on the front line - bringing funding partners and clients through the door - while using product sense to shape lending structures and working with Risk, Compliance, Legal, Operations, and Product.

Candidates who can serve as, or are eligible to be appointed as, a Responsible Officer / Director under a Hong Kong Money Lenders Licence are strongly preferred. Front-office experience at a Hong Kong licensed broker is also strongly preferred.

Success is funded capacity, a live client pipeline, and a growing loan book with healthy net interest margin - not a credit-policy deck or a mid-office workflow on its own.

Key Responsibilities

Capital and Funding Partnerships

• Source and close funding lines and capital partners for the lending pool, including co-lending / partner-funded arrangements and proprietary funding.
• Structure commercial terms with funding partners; expand lending capacity and improve funding cost.
• Own ongoing relationship management with capital providers, brokers, and referral partners.

Client Origination and Growth

• Build and run a borrower acquisition engine across institutions, corporates, family offices, VIPs / HNWIs, and crypto-native clients.
• Own commercial KPIs: origination volume, utilisation of the lending pool, NIM / portfolio contribution, and conversion from pipeline to booked loans.
• Lead pitching, pricing negotiation, and closing. This is a hand-on commercial role, not a purely managerial one.

Lending Book and Product

• Lead the loan business across partner-funded lending, proprietary pool lending, and coordination with margin financing.
• Shape products and deal structures with commercial pragmatism (tenor, security package where relevant, pricing, and partner economics).
• Work with Risk, Compliance, Legal, Operations, and Product to execute cleanly. You own the commercial outcome; you do not own every mid-office control.

Licence and Regulatory Credibility

• Preferably act as, or be appointable as, a Responsible Officer / Director / Approved Person under the Hong Kong Money Lenders Ordinance (Cap. 163).
• Support licence renewal and regulatory liaison, and ensure front-line business practices align with the MLO and HashKey internal standards.

Must-Have Requirements

• Commercial DNA: verifiable BD / growth / sales / origination outcomes (pipeline to closed deals to booked volume, AUM, or funding lines). You have closed clients or funding relationships, not only analysed them.
• Hands-on Hong Kong lending or banking experience in a front-office, BD, growth, origination, or sales capacity - at a licensed money lender, a bank (corporate lending, private banking, wealth lending, or comparable coverage), and/or a Hong Kong licensed broker.
• Hong Kong market fluency and an ability to operate in local lending and banking networks.
• English, Cantonese, and Mandarin.
• Enough lending and product judgment to price and structure deals commercially. You do not need to be a full-time credit risk specialist.
• Ownership mentality: willing to lead an early-stage lending business against aggressive KPIs.
• A clean personal and financial background suitable for Money Lenders Licence appointment (Fit and Proper).

Nice-to-Have

• Existing or prior appointment as RO / Director of a Hong Kong Money Lenders Licence.
• Front-office experience at a Hong Kong licensed broker (strongly preferred).
• Direct experience with DeFi / crypto lending products or crypto-collateralised credit.
• An actionable network of funding partners, brokers, family offices, and institutional borrowers in APAC.
• Experience spanning both fiat lending and crypto / DeFi collateralised lending.
• Exposure to margin financing or brokerage financing.
• Prior P&L or book ownership for a lending desk or money lender book.