Retail Credit Risk Policy Director

NexusSearch International Limited; Hong Kong; On-site; HKD 400,000 - 700,000; Full time

Job summary

NexusSearch International Limited is seeking a qualified professional to lead the formulation, rollout and governance of credit risk policies for retail lending in Hong Kong. The role emphasizes alignment with risk appetite, HKMA requirements, and clear policy implementation across underwriting, operations and compliance teams.

You will work closely with analytics to translate model insights into actionable rules, support new product launches and prepare materials for risk committees.

Qualifications

• Experience in lending/retail credit risk policy formulation and implementation.
• Knowledge of Hong Kong retail lending regulatory landscape.
• Strong stakeholder communication and documentation skills.
• FRM preferred.

Responsibilities

• Develop, review and roll-out credit risk policies and control frameworks aligned with risk appetite and HKMA requirements.
• Own end-to-end policy governance: draft, revise, socialise and maintain underwriting rules and exception handling procedures for lending products.
• Interpret model outputs with analytics teams and translate into actionable risk policies and business rules; participation in model validation is a plus.
• Conduct portfolio risk review, identify emerging risk trends, and propose policy adjustments to mitigate loss.
• Support new lending product launches by assessing risk implications and ensuring regulatory compliance.
• Prepare risk assessment papers, management reporting and policy briefing materials for risk committees and senior stakeholders.
• Collaborate with business, underwriting, operations and compliance to implement policies and monitor adherence.
• Respond to regulatory queries and audit findings related to credit risk policies.

Skills

Lending/retail credit risk policy

Credit risk modelling exposure

Stakeholder communication

Education

Bachelor's degree in Finance, Statistics, Mathematics or related disciplines

Job description

NexusSearch International Limited is seeking a qualified professional to lead the formulation, rollout and governance of credit risk policies for retail lending in Hong Kong. The role emphasizes alignment with risk appetite, HKMA requirements, and clear policy implementation across underwriting, operations and compliance teams.

You will work closely with analytics to translate model insights into actionable rules, support new product launches and prepare materials for risk committees.