Senior E‑Commerce Credit Approval Lead

ZA Bank Limited; Hong Kong; On-site; HKD 900,000 - 1,300,000; Full time

Job summary

ZA Bank Limited seeks a Credit Approval Manager, E-Commerce for Business Banking. You will lead end-to-end credit approval and risk management for corporate lending in the e-commerce and digital economy, applying underwriting expertise and data-informed judgment to assess borrowers in e-commerce, cross-border trade, and supply chain finance.

The role involves reviewing credit applications, structuring terms, ensuring policy compliance, monitoring risk, and reporting; travel to Shenzhen may be

Qualifications

• Minimum 6 years of corporate or SME credit analysis/approval experience.
• Authority to approve HKD 8M+ credits or equivalent.
• Experience with HK licensed banks or fintechs preferred.
• Solid understanding of financial statement analysis, cash flow, collateral, and covenants.
• Familiarity with e-commerce, cross-border trade, and supply chain finance.
• Strong English and Chinese communication; Mandarin/Cantonese as applicable.

Responsibilities

• Conduct end-to-end credit risk assessments for corporate/SME clients in e-commerce and cross-border trade.
• Structure terms and approve credits within delegated authority.
• Ensure decisions comply with risk appetite, policies, and regulatory requirements.
• Identify early warning signals and monitor borrower creditworthiness; take mitigation actions.
• Conduct portfolio reviews and regular reporting (weekly/monthly).
• Post-approval monitoring, customer visits and on-site inspections as needed.
• Assist in policy development and refinement for end-to-end credit processes.
• Collaborate with data, technology and business teams to streamline processes.

Skills

Credit analysis

Credit approval

Risk management

Financial analysis

Regulatory compliance

English-Chinese communication

Job description

ZA Bank Limited seeks a Credit Approval Manager, E-Commerce for Business Banking. You will lead end-to-end credit approval and risk management for corporate lending in the e-commerce and digital economy, applying underwriting expertise and data-informed judgment to assess borrowers in e-commerce, cross-border trade, and supply chain finance.

The role involves reviewing credit applications, structuring terms, ensuring policy compliance, monitoring risk, and reporting; travel to Shenzhen may be