Head of Credit Risk

Job Summary:

The Head of Credit Risk is a senior leadership role responsible for overseeing the credit risk management framework within the bank. This role is crucial in ensuring the bank's lending activities are conducted in a manner that aligns with the risk appetite and regulatory requirements. 

Key Responsibilities:

Credit Risk Strategy:

• Develop and implement the bank's credit risk strategy, ensuring it is aligned with the overall risk management framework and business objectives.
• Regularly review and update the credit risk strategy to adapt to market changes and regulatory updates.

Policy and Procedure:

• Establish and maintain credit risk policies and procedures that are consistent with industry best practices and regulatory standards.
• Ensure that credit risk policies are effectively communicated and implemented across the bank.

Credit Risk Assessment:

• Oversee the assessment of credit risk for all lending activities, including corporate, retail, and commercial loans.
• Ensure accurate and timely identification, measurement, and reporting of credit risk exposures.

Portfolio Management:

• Monitor the credit quality of the bank's loan portfolio and implement strategies to manage and mitigate potential losses.
• Conduct periodic reviews of the credit portfolio to identify trends and emerging risks.

Job Requirements

• University degree in Risk Management, Statistics, Finance, Business Management, Economics or related discipline.
• Minimum 10 years of relevant banking experience in credit risk management and credit operations.
• Self-motivated and strong analytical mindset.
• Good interpersonal, communication and leading skills.
• High proficiency in both English and Chinese.
• Knowledge on secured lending product is an advantage.