Risk Associate (Collateral) - Investment Bank

PFCC Group Limited; Hong Kong; On-site; HKD 600,000 - 900,000; Full time

Job summary

PFCC Group Limited is seeking a risk professional to monitor client portfolios and manage daily margin needs in a dynamic environment. You will analyze exposure drivers, support stress tests, and present clear risk insights to senior stakeholders.

Ideal candidates have 3–5 years in credit risk, strong analytical skills, and fluency in English, Mandarin and Cantonese. Collaboration across risk, sales, operations and technology is essential.

Qualifications

• 3–5 years of experience in credit analysis, risk, or related fields.
• Ability to interpret complex exposure and credit information.
• Strong communication and presentation skills.
• Fluency in English, Mandarin and Cantonese.

Responsibilities

• Monitor client portfolios, manage daily margin requirements and collateral.
• Investigate drivers of exposure changes and assess credit impact.
• Contribute to stress testing and scenario analysis.
• Communicate risk insights clearly to sales teams and stakeholders.
• Support regulatory compliance and risk technology development.

Skills

Analytical thinking

Credit risk knowledge

Attention to detail

SQL

Excel

Python

Power BI

Communication skills

Multilingual: English

Multilingual: Mandarin

Multilingual: Cantonese

Project management

Risk management

Education

University degree in finance, economics, business, mathematics

Tools

SQL

Excel

Power BI

Python

Job description

Join a risk management team in a role focused on monitoring client portfolios, assessing credit and margin exposures, and delivering clear insights to support sound decision-making. You will work closely with sales teams and senior stakeholders to manage daily risk requirements, strengthen monitoring processes, contribute to regulatory compliance, and help shape the development of risk technology and longer-term risk initiatives.

Key responsibilities

• Monitor and review client portfolios, managing daily margin requirements, limit excesses, and collateral maintenance
• Investigate drivers of exposure changes, including market movements, collateral fluctuations, and trade activity, and assess their impact on credit metrics
• Contribute to internal stress testing and scenario analysis
• Communicate risk insights, breaches, and data concerns clearly to sales teams and senior stakeholders
• Ensure consistency in risk management policies and procedures and support ongoing regulatory compliance
• Identify opportunities to automate manual processes and enhance monitoring tools
• Contribute to risk technology development and longer-term risk projects
• Prepare clear risk analysis and recommendations to support portfolio and limit decisions
• Collaborate with stakeholders across risk, trading, operations, technology, and business teams to resolve exposure and data issues

What we're looking for

• 3-5 years of relevant experience in credit analysis, credit advisory, credit risk, margin risk, or risk management
• Strong analytical and solution-oriented mindset with the ability to interpret complex exposure and credit information
• Excellent verbal, written, and presentation skills
• Fluency in English, Mandarin, and Cantonese
• University degree in finance, economics, business, mathematics, or a related discipline
• Direct experience in credit risk, margin risk, or credit lending is preferred
• Product knowledge across equities, fixed income, listed and OTC equity derivatives, foreign exchange, and funds
• Project management skills and the ability to manage multiple priorities
• Technical skills in SQL, Excel, Power BI, and/or Python
• Strong attention to detail and a proactive approach to identifying risks, process improvements, and data quality issues