Section Head, Card Approval

Bank of Communications Co.,Ltd.; Hong Kong; On-site; HKD 900,000 - 1,300,000; Full time

Job summary

Bank of Communications Co., Ltd. in Hong Kong seeks an experienced Credit Card Risk Manager to lead a team of credit approvers and oversee unsecured lending quality.

The role requires deep knowledge of credit operations, risk assessment, and strong stakeholder communication across English, Cantonese and Putonghua. The position emphasizes implementing robust credit policies, monitoring portfolio risk, and driving compliance with evolving regulatory guidelines within a major international bank

Qualifications

• Degree holder or above in Business Administration, Credit Risk or related disciplines.
• 10+ years solid experience in unsecured lending in credit card / unsecured personal loan.
• Good knowledge of credit operation, systems, guidelines and regulatory requirements.
• Strong credit analytical and risk assessment skills.
• Good verbal and written communication skills.
• Effective team management skill.
• Proficiency in Putonghua, Cantonese and English.

Responsibilities

• Lead a team of credit approvers to review, assess, and approve credit card applications within delegated lending authority and in compliance with internal policies.
• Manage and monitor credit quality of card portfolio.
• Formulate / revise credit policy, credit process, credit manuals / SOPs in line with market changes and business strategy.
• Participate in system projects to optimize credit operation, credit risk and AML/fraud risk.
• Handle internal and external customer enquiries / complaints.

Skills

Credit risk

Credit analysis

Risk assessment

Team management

Verbal & written communication

Multilingual (English/Putonghua/Canton

Education

Business Administration degree

Job description

Proactive, Dedicated and Innovative Founded in 1908, Bank of Communications Co., Ltd. (Stock codes: A shares 601328, H shares 03328) is one of the oldest banks in China as well as one of the note-issuing banks in modern China. The Bank was listed on the Stock Exchange of Hong Kong Limited in June 2005 and on the Shanghai Stock Exchange in May 2007. The Bank currently has 202 domestic branches, comprising 30 provincial branches, 7 branches directly managed by the Head Office and 165 managed by provinces. It has also established 2,690 banking outlets in 215 cities and 159 counties nationwide. In addition, the Bank has set up 13 overseas institutions, comprising branches in Hong Kong, New York, San Francisco, Tokyo, Singapore, Seoul, Frankfurt, Sydney, Macau, Ho Chi Minh City, Taipei, Bank of Communications (UK) Co., Ltd. and representative office in Toronto. The Bank’s development strategy is to become “a first class listed universal banking group focusing on international expansion and specializing in wealth management”.

Proactive, Dedicated and Innovative Founded in 1908, Bank of Communications Co., Ltd. (Stock codes: A shares 601328, H shares 03328) is one of the oldest banks in China as well as one of the note-issuing banks in modern China. The Bank was listed on the Stock Exchange of Hong Kong Limited in June 2005 and on the Shanghai Stock Exchange in May 2007. The Bank currently has 202 domestic branches, comprising 30 provincial branches, 7 branches directly managed by the Head Office and 165 managed by provinces. It has also established 2,690 banking outlets in 215 cities and 159 counties nationwide. In addition, the Bank has set up 13 overseas institutions, comprising branches in Hong Kong, New York, San Francisco, Tokyo, Singapore, Seoul, Frankfurt, Sydney, Macau, Ho Chi Minh City, Taipei, Bank of Communications (UK) Co., Ltd. and representative office in Toronto. The Bank’s development strategy is to become “a first class listed universal banking group focusing on international expansion and specializing in wealth management”.

Responsibilities

• Lead a team of credit approvers to review, assess, and approve credit card applications within delegated lending authority and in compliance with internal policies.
• Manage and monitor credit quality of card portfolio.
• To formulate / revise credit policy, credit process, credit manuals / SOPs in accordance with the changing market environment / business strategy.
• To participate in system projects with the aim of optimizing the credit operation, credit risk, AML risk and fraud risk.
• Handle internal and external customer enquiries / complaints.

Requirements

• Degree holder or above in Business Administration, Credit Risk or related disciplines.
• Minimum 10 years’ solid experience of unsecured lending in credit card / unsecured personal loan.
• Good knowledge of credit operation, operation system, credit guideline and regulatory requirment.
• Strong credit analytical and risk assessment skills.
• Good verbal and written commumication skills.
• Effective team management skill.
• Proficiency in Putonghua, Cantonese and English.

The above post requires proficiency in English, Cantonese and Putonghua.

We offer attractive remuneration package to the right candidates.