Head of Credit Portfolio Risk Management

PAO Bank Limited

Department: Risk Management
Reports To: Chief Risk Officer (CRO)

Job Purpose:
The Head of Credit Portfolio Risk Management will be responsible for overseeing the portfolio risk of the bank’s lending portfolio, including secured/unsecured business loans and the newly developed retail lending portfolio. The role involves portfolio monitoring, risk analytics, stress testing, and strategy development to ensure optimal risk-adjusted returns while maintaining compliance with HKMA regulatory requirements.

Key Responsibilities:

1. Credit Portfolio Monitoring & Analysis

  • Conduct portfolio-level risk assessments (concentration risk, sector risk, borrower risk) across business and retail lending.
  • Monitor key risk indicators (KRIs), delinquency trends, NPL ratios, and early warning signals.
  • Perform granular segmentation analysis to identify high-risk exposures and recommend mitigation strategies.


2. Portfolio Strategy & Optimization

  • Define and monitor credit risk appetite framework in alignment with board policies.
  • Recommend portfolio rebalancing strategies (e.g., exposure limits, sector caps, risk grading adjustments).
  • Work with the credit approval to refine underwriting policies based on portfolio performance trends.


3. Policy Governance and Internal Reporting

  • Take ownership of credit policies and framework and ensure compliance with HKMA regulatory requirements (e.g., Basel III, IFRS 9, CR-G-14).
  • Prepare risk dashboards and reports for senior management, RMC, and regulators.
  • Support internal/external audits and regulatory inspections related to credit risk.


4. Credit System and Operation

  • Drive change management of credit related systems and EUCs
  • Lead the Claims team responsible the SFGS claims efforts. Ensure timely submission of claims for defaulted accounts to HKMC and response to RFI.


5. Cross-functional Collaboration

  • Partner with Credit Approval, Risk Analytics, and Finance teams to enhance risk frameworks.
  • Engage with Collections & Recovery to improve NPL management strategies.
  • Advise senior management on emerging risks and portfolio performance.


Qualifications & Experience:

  • 8+ years in credit risk management, preferably in a bank or digital lending business.
  • Strong expertise in portfolio risk analytics, credit policy and governance.
  • Familiarity with secured/unsecured lending products (business loans, SME lending, retail loans).
  • Knowledge of HKMA regulations (e.g., Basel, IFRS 9, credit risk guidelines).
  • Degree in Finance, Risk Management, Economics, or related field; FRM/PRM/CFA a plus.


Key Competencies:

  • Strong analytical skills.
  • Ability to translate data insights into business strategy.
  • Excellent stakeholder management & communication skills.
  • Proactive mindset with a focus on risk-adjusted profitability.
更多工作資料
薪酬 薪金面議
工種
  • 銀行 · 金融服務 - 風險管理
  • 銀行 · 金融服務 - 一般 · 其他
工作地點
  • 觀塘
  • 觀塘區
僱用形式
  • 全職
教育程度
  • 學士

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