Head of Credit Portfolio Risk Management

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.