Senior Credit Risk & Control Leader - Bonus Eligible

AEON Credit Service (Asia) Co., Ltd. (AEON 信貸財務 (亞洲) 有限公司); Hong Kong; On-site; HKD 391,000 - 614,000; Full time

Benefits offered by this job

Comprehensive medical & dental insured

Discretionary bonus

Staff purchase discount in AEON group

Friendly working environment with a动态和

Smart and casual attire (Monday to Fri

Convenient office located near TsimSha

Job summary

AEON Credit Service (Asia) Co., Ltd. invites an experienced Senior Manager to lead the Credit Control Department in Hong Kong and China operations.

The role focuses on driving underwriting standards, portfolio performance and regulatory compliance while shaping credit policies and leading a high-performing team. You will monitor portfolio indicators, apply scoring models, review high-value cases, and partner with Analytics, Operations and Business units to optimize risk-adjusted value.

Qualifications

• Bachelor's degree in Business Administration, Economics, Risk Management, Finance or a related discipline.
• Minimum 8 years of solid experience in retail lending, consumer finance, credit card and unsecured loan underwriting.
• Proven track record in credit approval, credit policy development and portfolio risk management.
• Strong understanding of credit scoring models, risk-based pricing methodologies and scorecard-driven underwriting frameworks.
• Hands-on experience in approving exception cases and large-ticket loan applications.
• Strong analytical and problem-solving skills with the ability to interpret complex credit and portfolio data.
• Experience in portfolio monitoring, strategy review and performance optimization.
• Excellent leadership, communication and stakeholder management skills.
• Fluent in English, Cantonese and Mandarin.

Responsibilities

• Develop, review and enhance credit underwriting standards, credit policies, and operating procedures.
• Monitor portfolio performance indicators, including approval rates, drawdown rates, processing turnaround times and portfolio quality, and recommend improvement initiatives.
• Drive credit limit assignment, risk segmentation and cross-selling strategies to optimize portfolio performance and customer value.
• Utilize credit scoring models, data analytics and risk assessment tools to support credit decision-making and portfolio management.
• Review and approve exceptional credit applications and high-value lending cases within delegated authority limits.
• Partner closely with Analytics, Business, Operations and other stakeholders to formulate, implement and monitor credit and portfolio strategies.
• Ensure compliance with all applicable regulatory requirements, internal policies, governance standards and audit requirements.
• Lead, coach and develop a team of credit approval professionals across Hong Kong and China back-office operations.
• Drive continuous process improvement and operational efficiency initiatives within the credit approval function.

Skills

Credit risk management

Leadership

Stakeholder management

Analytical thinking

Regulatory compliance

Education

Bachelor's degree in Business Administration, Economics, Risk Management, Finance or a related discipline

Job description

AEON Credit Service (Asia) Co., Ltd. invites an experienced Senior Manager to lead the Credit Control Department in Hong Kong and China operations.

The role focuses on driving underwriting standards, portfolio performance and regulatory compliance while shaping credit policies and leading a high-performing team. You will monitor portfolio indicators, apply scoring models, review high-value cases, and partner with Analytics, Operations and Business units to optimize risk-adjusted value.