Manager, Credit Risk Management (Auto Finance and Card)

Job Summary

• To assist Team Head in managing the credit approval process for consumer secured and unsecured products. Responsible for conducting thorough credit assessments, providing recommendations, and granting approvals in strict compliance with internal credit policy and related procedures to ensure sound credit decisions and risk management.

What You Will Be Doing

• Approve consumer auto loans and other consumer product applications submitted by business units within authorized lending limits, ensuring all approvals comply with established credit policies, guidelines, applicable laws, and regulations to promote responsible lending.
• Review and analyze applicants’ credit reports, financial statements, and other relevant documentation to assess creditworthiness to recommend or approve applications.
• Conduct analytics and reviews to evaluate and manage consumer credit risk by analyzing segments that are either strong or at risk, optimizing risk and return dynamics.
• Co-operate with internal and external control units to conduct review work and ad hoc reviews.
• Enable the team to process credit applications promptly and with the necessary analysis and recommendation for credit acceptance criteria.

What We Are Looking For

• University Degree or Tertiary education in Banking, Accounting, Finance or Business Administration or related discipliners.
• 3 to 5 years consumer credit or risk management experience preferably with exposures in auto finance, mortgage loan and credit card.
• Proficiency in both written and spoken English and Chinese.
• Proficient in Microsoft Office including MS word, PowerPoint and Excel
• Self-motivated, mature with a strong sense of responsibility and good communication skills.
• Strong analytical skills with sound credit judgement and able to work under pressure.