Retail Credit Risk Manager - Policy & Underwriting Lead

Bank of China (Hong Kong); Hong Kong; On-site; HKD 420,000 - 620,000; Full time

Benefits offered by this job

Medical insurance

Life insurance

Allowances

Job summary

Bank of China (Hong Kong) is seeking a dedicated Retail Credit Risk Analyst to identify and analyse potential risk matters in retail credit products and advise control measures. The role requires staying updated on underwriting criteria and proposing enhancements to maintain competitiveness.

The incumbent will formulate and review credit policies to ensure alignment with external regulations and BOC group requirements, market dynamics and business strategy.

Qualifications

• University degree in risk management, economics, finance, accounting or related fields.
• 3 years of experience in banking/financial institutions.
• Strong analytical and communication skills; teamwork with key stakeholders.
• Good command of Chinese and English; regulatory and risk management knowledge.

Responsibilities

• Identify and analyse potential credit risk matters arising from retail credit product/process and advise risk control measures.
• Keep abreast of market development on underwriting criteria of retail credit products; propose improvements.
• Formulate, review and comment on credit policy and procedures to align with regulations, BOC requirements, market conditions and strategy.
• Handle ad hoc tasks as assigned by direct supervisor.

Skills

Analytical skills

Communication skills

Team player

Stakeholder collaboration

Education

Bachelor’s degree in risk management/finance

Tools

MS Word

MS Excel

MS PowerPoint

VBA

SAS

Python

Job description

Bank of China (Hong Kong) is seeking a dedicated Retail Credit Risk Analyst to identify and analyse potential risk matters in retail credit products and advise control measures. The role requires staying updated on underwriting criteria and proposing enhancements to maintain competitiveness.

The incumbent will formulate and review credit policies to ensure alignment with external regulations and BOC group requirements, market dynamics and business strategy.