Portfolio Management Manager

Credit Portfolio Monitoring and Analysis:

• Responsible for the overall risk management of the bank's risk asset portfolio, regularly analyzing asset quality, industry concentration, customer risk ratings, and other indicators.
• Monitor overdue loans, non-performing loans, and early warning signals; develop risk mitigation measures and optimize asset structure.
• Identify potential risk points through data analysis and propose recommendations for adjusting risk control policies or customer strategies.

Data Modeling and Analysis:

• Utilize data analysis tools (such as SQL, Python, R, SAS, Excel, etc.) to conduct business data mining, modeling, and trend forecasting.
• Develop and optimize risk rating models, scoring cards, stress testing models, etc., to support risk control decisions.
• Regularly generate asset portfolio reports, providing data support and decision-making advice to management.

Policy and Process Optimization:

• Participate in the formulation and optimization of risk management policies, credit granting standards, and processes to ensure compliance with regulatory requirements and the bank's risk control objectives.
• Track industry trends and changes in regulatory policies, and adjust portfolio management strategies in a timely manner.

Cross-Departmental Collaboration:

• Collaborate with business departments, risk control teams, the finance department, etc., to promote the improvement of risk asset quality and the steady development of business.
• Assist in internal and external audits and regulatory inspections to ensure credit management compliance.

Qualifications:

• Bachelor's degree or above, preferably in finance, economics, mathematics, statistics, computer science, or related fields.
• 5+ years of experience in risk management and data analysis in a bank or financial institution, with familiarity with the entire credit business process.
• Experience in risk asset portfolio management or credit risk modeling is preferred.
• Data Analysis Skills: Proficient in at least one data analysis tool such as SQL, Python, R, or SAS.
• Financial Knowledge: Familiar with bank credit products, risk management frameworks, and regulatory requirements (e.g. Basel Accords).
• Tool Proficiency: Proficient in using Excel (VBA, pivot tables, etc.), Power BI/Tableau, and other visualization tools.
• Reporting Skills: Ability to independently compile analytical reports, clearly presenting data insights.
• Strong logical thinking, attention to detail, and excellent risk awareness and problem-solving skills.
• Possession of FRM, CFA, CPA, or other finance or risk management-related certifications.
• Experience in big data risk control or the application of AI in credit risk management