Vice President, Structured Finance Credit Risk Management, Asia Pacific

Banco Santander SA; Hong Kong; On-site; HKD 1,800,000 - 3,000,000; Full time

Job summary

Banco Santander SA in Hong Kong seeks a Vice President to lead structured finance credit risk management for Asia Pacific. You will own independent credit risk admission and ongoing monitoring of complex transactions across project finance, asset-backed finance, fund finance, leveraged finance, equity-backed finance and securitisation.

Responsibilities include deal and rating analysis, risk assessment, portfolio monitoring and presenting risk considerations to risk committees, with engagement

Qualifications

• University degree or equivalent required.
• Experience in credit risk or structured finance (5+ years).
• Experience in corporate and investment banking preferred.
• Strong financial analysis and modelling skills.
• Fluency in English; Mandarin would be advantageous.
• Excellent communication and independent judgment.

Responsibilities

• Perform independent credit risk analysis and rating assessments for structured finance transactions.
• Monitor portfolio performance, update ratings, and assess amendments and waivers.
• Present risk recommendations to risk committees and coordinate with Front/Middle Office.
• Engage with clients, sponsors, and advisors to ensure risk governance.

Skills

Credit risk

Structured finance

Financial modelling

Portfolio monitoring

Stakeholder engagement

English fluency

Mandarin (nice to have)

Education

University degree

CPA/CFA advantage

Tools

Internal rating methodologies

Job description

Vice President, Structured Finance Credit Risk Management, Asia Pacific Country: Hong Kong

Responsible for independent credit risk admission and ongoing risk monitoring of structured finance transactions for Corporate & Investment Banking clients, covering project finance, asset-backed finance, fund finance, leveraged finance, equity-backed finance and securitization.

Responsibilities include deal and rating analysis, risk assessment and approval, and ongoing portfolio monitoring.

Key Responsibilities

• Transaction Analysis & Credit Assessment - Perform independent credit and risk assessment of structured finance transactions, including analysis of transaction structure, key stakeholders, contractual arrangements, financial capability, cash flows, collateral, key credit metrics and stress scenarios. Review due diligence materials, benchmark against comparable transactions, and present credit recommendations to local and global risk committees.
• Credit Rating Assessment - Assign and review transaction and corporate ratings using relevant internal rating methodologies, considering transaction structure, debt sizing, stakeholder strength, cash-flow resilience, sensitivities and collateral/security packages. Prepare rating recommendations and present them to rating committees for approval.
• Portfolio Monitoring & Ongoing Risk Management - Monitor the credit quality of the portfolio through periodic review of financial performance, key risk metrics, covenant compliance and other material developments, and update ratings where appropriate. Assess amendment, consent and waiver requests and present risk recommendations to relevant approval committees.
• Stakeholder Engagement & Risk Governance - Engage with clients, sponsors, advisors, legal counsel, Front Office, Middle Office and other stakeholders as part of transaction due diligence and ongoing risk management. Provide independent risk challenge, identify emerging risks and ensure transactions are managed in accordance with the Bank’s risk appetite, policies and governance standards.

Requirements

• A university degree or equivalent qualification is required; CPA or CFA qualifications would be an advantage.
• At least 5 years of relevant credit risk, structured finance or credit assessment experience.
• Preferably gained within Corporate & Investment Banking, a financial institution or a comparable environment.
• Experience in one or more of project finance, asset-backed finance, fund finance, leveraged finance, securitization or equity-backed finance would be an advantage.
• Strong financial analysis and credit assessment skills; financial modelling experience would be an advantage.
• Fluency in English is required; proficiency in Mandarin would be an advantage.
• Strong presentation, written and verbal communication skills.
• An entrepreneurial mindset, with the ability to work independently, exercise sound judgement and take ownership.

The Santander Way

Santander is evolving from a global, high-impact brand into a technology-driven organization, and our people are at the heart of this journey. Together, we are driving a customer-centric transformation that values bold thinking, innovation, and the courage to challenge what's possible. This is more than a strategic shift. It's a chance for driven professionals to grow, learn, and make a real difference. Our mission is to contribute to help more people and businesses prosper. We embrace a strong risk culture and all our professionals at all levels are expected to take a proactive and responsible approach toward risk management.

Ready to make it happen? It starts with you. It starts here.