WeLend - Senior Analyst, Credit Risk

WeLend; Hong Kong; On-site; HKD 480,000 - 720,000; Full time

Benefits offered by this job

Learning and development stipend

Wellness and happiness activities

Flexible time off for personal matters

Open plan office with free food andDr…

Job summary

WeLab is seeking a Credit Risk leader in Hong Kong to design and implement credit risk policies and governance, oversee risk measurement and reporting, and ensure regulatory compliance across a dynamic, multinational team. The role requires at least 3 years in retail lending risk management and a strong grasp of risk controls.

The successful candidate will liaise with internal stakeholders and regulators, drive risk initiatives, and contribute to WeLab's mission of making financial services

Qualifications

• Bachelor's degree in Finance, Mathematics, Risk Management or related field.
• Minimum 3 years in banking with credit risk management of retail lending.

Responsibilities

• Design, update, and implement credit risk policies and guidelines.
• Establish and maintain a governance framework for credit risk and risk limits.
• Oversee identification, measurement, and reporting of credit risk exposures.
• Ensure regulatory compliance and collaboration with internal audit, compliance, and regulators.

Skills

Credit risk analysis

Policy formulation

Regulatory compliance

Stakeholder liaison

Education

Bachelor's degree in Finance/Mathematics/Risk Management

Job description

WeLab, a leading pan-Asian fintech platform, operates two digital banks (WeLab Bank and Bank Saqu) as well as multiple online financial services in Hong Kong, Mainland China, and Indonesia, with over 70 million individual users and over 700 enterprise customers. WeLab uses game-changing technology to help users access credit, save money, and enjoy their financial journey.

At WeLab, we always put our people first. Embarking on a career with WeLab means being part of the driving force to make financial services accessible for everyone. In our flat and agile organization, you will get all the opportunities to make real impacts and deliver change. Most importantly, while you achieve greatness, we will ensure you have an amazing experience at WeLab!

Our team is energetic and passionate who can deliver and execute, and we are looking for intellectually curious, open-minded, and smart-working individuals who are just as passionate as we are about making financial services enjoyable.

Join us to build a better financial future for everyone!

About You

• You're a go-getter with mad juggling skills (or multiple hats) who can thrive in a fast-paced, agile environment
• You enjoy doing purpose-led and meaningful work
• You have a strong thirst for knowledge and are driven to find solutions that don't exist yet
• You are comfortable with ambiguity and extremely resourceful (in your past life, you could've been a detective)
• You always find a way to get things done without sacrificing the quality of your work, integrity, and values
• No task is off limits for you
• You are humble and prioritize the success of the team over your own with an eagerness to help those around you
• You don't shy away from challenges and can bounce back from setbacks

What you’ll do and what success looks like in this role

• Design, update, and implement credit risk policies, procedures, and guidelines to mitigate risks and ensure compliance with regulatory standards
• Establish and maintain a governance framework for credit risk, including risk limits and monitoring mechanisms
• Oversee the identification, measurement, and reporting of credit risk exposures
• Ensure adherence to regulatory requirements and industry best practices, collaborating with internal audit, compliance, and external regulators as needed
• Monitor credit portfolio performance, identifying trends, vulnerabilities, and opportunities for improvement, and presenting findings to senior management
• Prepare comprehensive risk reports, dashboards, and recommendations to senior management
• Drive initiatives to enhance credit risk systems, tools, and processes, leveraging data analytics and emerging technologies where applicable

What Is Required And What We’re Looking For

• Degree holder or above in Finance, Mathematics, Risk Management, Statistics or a related field
• Minimum 3 years of experience in banking industry with credit risk management of retail lending business
• Experienced in credit risk analysis and policy formulation
• Sound knowledge in personal loan credit risk management is preferable
• Able to work in a dynamic and multinational culture and cope with high pressure
• Strong senses of risk control and management
• Ability to build effective relationships and liaise effectively with key stakeholders of the organization

Perks And Benefits To Enrich Your Experience At WeLab

• Learning and development stipend - we value lifelong learning and believe the best way to invest in our employees is to encourage them to continue to learn
• Wellness and happiness – Numerous activities to let you focus on your physical and mental wellbeing. We allow flexible time offs to take care of personal matters and to enjoy time with family and friends
• Comfortable and positive work environment – Open plan office for easy collaboration and social with your colleagues, or branch out into your own thinking pods when needed, with FREE food and drinks for when you want to recharge
• Work smart, play hard – Connect with your colleagues over food and drinks at the stocked pantry, in the spacious social area with board games and a ping pong table, or over activities like hiking, yoga, badminton, etc.
• A big and contagious smile on everyone’s face to make you happier :)

WeLab’s Awards & Recognitions

• Asia Banking Finance Retail Banking Awards: Virtual Bank of the Year - Hong Kong
• CNBC Disruptor 50: the only Hong Kong-based company on the list
• Financial Times Asia-Pacific High-Growth Companies: #2 in ranking
• The Chinese University of Hong Kong “Corporate Innovation Index”: #1 in ranking

We offer a competitive salary package to the successful candidate.

All information provided by applicants will be used for recruitment purposes only. Information of unsuccessful applicants will be destroyed within 24 months of receipt.