Manager, Retail Credit Risk (Risk Management Department)

Bank of Dongguan International Limited; Hong Kong; Vor Ort; HKD 900.000 - 1.400.000; Vollzeit

Zusammenfassung

Bank of Dongguan International Limited seeks an experienced professional to approve and manage retail credit risk across mortgages, personal loans, overdrafts, cards and premium financing products. The role entails independent risk assessments, policy development and monitoring portfolio quality to ensure strong governance.

You will contribute to product approvals and risk-driven enhancements, interfacing with senior management and risk committees.

Qualifikationen

• Bachelor’s degree in Finance, Business Administration, Risk Management, or related disciplines.
• Minimum 8 years' experience in retail credit risk management, credit approval, or consumer banking risk.
• Solid credit approval authority and practical experience in retail lending products.
• Proven experience in Premium Financing credit assessment, approval and portfolio management.
• Strong understanding of retail banking products, wealth management lending and secured lending structures.
• Familiarity with regulatory requirements and risk management practices in banking.
• Strong analytical, judgmental and decision-making abilities.
• Excellent communication and stakeholder management skills.
• Proficiency in Excel and credit risk reporting tools; knowledge of data analytics platforms is an advantage.
• Fluency in English and Chinese, including Putonghua.

Aufgaben

• Approve and recommend retail credit applications within delegated lending authority across mortgages, personal loans, overdrafts, credit cards, and premium financing facilities.
• Conduct independent credit assessments and make sound decisions in line with risk appetite and regulatory requirements.
• Review and approve new retail banking products and lending programmes from a credit risk perspective.
• Develop and enhance retail credit policies, underwriting standards and approval guidelines.
• Monitor portfolio quality, concentration risks and risk indicators; propose remedial actions.

Kenntnisse

Retail credit risk

Credit approval

Premium Financing

Portfolio management

Regulatory compliance

Data analytics

English & Chinese

Ausbildung

Bachelor’s degree

Tools

Excel

Credit risk tools

Jobbeschreibung

Approve and recommend retail credit applications within delegated lending authority, including mortgages, personal loans, overdrafts, credit cards, and premium financing facilities.

Conduct independent credit assessments and make sound credit decisions in accordance with the Bank's risk appetite and regulatory requirements.

Review and approve new retail banking products and lending programmes from a credit risk perspective, ensuring appropriate risk controls and governance are in place.

Develop, review and enhance retail credit policies, underwriting standards and credit approval guidelines.

Monitor retail lending portfolio quality, concentration risks and key risk indicators, and recommend remedial actions where necessary.

Assess and manage risks associated with Premium Financing and other wealth-related lending products.

Participate in new product approval processes and provide credit risk input on product features, collateral structures and customer suitability considerations.

Conduct portfolio analysis, stress testing and risk reporting for senior management and relevant committees.

Ensure compliance with regulatory requirements, internal policies and risk governance standards.

Support risk-related projects, system enhancements and process improvement initiatives.

Requirements:

• Bachelor’s degree in Finance, Business Administration, Risk Management, Accounting, Economics or related disciplines.
• Minimum 8 years' relevant experience in retail credit risk management, credit approval or consumer banking risk functions.
• Solid credit approval authority and practical experience in retail lending products.
• Proven experience in Premium Financing credit assessment, approval and portfolio management is essential.
• Strong understanding of retail banking products, wealth management lending and secured lending structures.
• Familiarity with regulatory requirements and risk management practices in the banking industry.
• Strong analytical, judgmental and decision-making abilities.
• Excellent communication and stakeholder management skills.
• Proficiency in Excel and credit risk reporting tools; knowledge of data analytics platforms is an advantage.
• Good command of written and spoken English and Chinese, including Putonghua.

The data collected would be used solely for recruitment purposes. Applicants who do not receive a response from us within 2 months may consider their application unsuccessful, and their data will be destroyed within 12 months of receipt.