Senior Portfolio Lending Risk Lead

WeLab Bank; Hong Kong; On-site; HKD 900,000 - 2,000,000; Full time

Benefits offered by this job

Learning stipend

Wellness programs

Open office environment

Flexible time off

Free food and drinks

Job summary

WeLab Bank is seeking a seasoned Credit Risk leader to own and manage credit risk for the bank's secured lending portfolio. You will partner with Wealth Management, Treasury, Loan Products, Technology and Legal & Compliance to implement risk policies, margins, and monitoring frameworks.

Ideal candidates have 10+ years in credit risk within banking, strong knowledge of collateral valuation, LTV frameworks, and IFRS 9 ECL calibration.

Qualifications

• Degree in Finance, Risk Management, Economics, Business or related.
• Minimum 10 years of credit risk experience in banking/private banking.
• Deep understanding of collateral across deposits, FX, listed equities, mutual funds, bonds.
• Solid knowledge of HKMA SPM modules related to credit risk, collateral and large exposures.
• Proven experience designing LTV, haircut and margin call frameworks.
• Strong analytical and quantitative skills; proficient in Excel; comfortable with data analysis tools (Python/SQL).
• Experience presenting to senior management committees (CRMC, RMC, ExCo, Board).
• Self-driven, detail-oriented in a fast-paced digital bank environment.

Responsibilities

• Policy & Framework – Develop, own and maintain credit policy, procedures and risk appetite for Portfolio Lending.
• Collateral & Margin Management – Design margin call, top-up and forced‑sale framework including thresholds and cure periods.
• Credit Assessment & Approval – Review and approve facilities within delegated authority per HKMA requirements.
• Portfolio Monitoring – Establish KRIs, early warnings and dashboards; report to CRMC, RMC and Risk Committee.
• Product Development – Lead credit risk for wealth-backed lending products and risk sign-off.
• Stress Testing & ECL – Work with Finance on stress scenarios and IFRS 9 ECL calibration.
• Regulatory Engagement – Support HKMA/SFC queries on wealth-backed lending; ensure compliance.
• Governance – Prepare papers for CRMC/Wealth Management committees.
• Stakeholder Management – Work with Wealth Management, Treasury, Operations and Tech for real-time collateral valuation and close-out.

Skills

Credit risk

Portfolio lending

Securities-backed

Stress testing

Data analysis

Python/SQL

Stakeholder management

Education

Bachelor's degree in Finance or related

Tools

Excel

Python

SQL

Job description

WeLab Bank is seeking a seasoned Credit Risk leader to own and manage credit risk for the bank's secured lending portfolio. You will partner with Wealth Management, Treasury, Loan Products, Technology and Legal & Compliance to implement risk policies, margins, and monitoring frameworks.

Ideal candidates have 10+ years in credit risk within banking, strong knowledge of collateral valuation, LTV frameworks, and IFRS 9 ECL calibration.