Manager, Asset Quality & Monitoring (Risk Management Department)

Responsibilities:

• Monitor portfolio asset quality on an ongoing basis and perform bank-wise asset quality management

• Manage provisions for credit risk project by applying IFRS 9 accounting standards and regulatory requirements, utilizing models or individual cash flow projections

• Assist to manage the annual budget

• Developed and executed strategies to monitor/control credit exposures across sectors (e.g., real estate, manufacturing), geographic regions, and counterparty types (e.g., SOEs, SMEs)

• Ensured compliance with regulatory limits (e.g., single-borrower limits, large exposure rules) through robust reporting and risk appetite frameworks

• Liaised with regulators during inspections, ensuring timely submission of credit risk reports; Stay updated on the latest regulatory requirements, including Basel III, IFRS 9, and other relevant guidelines

• Collaborate with other departments of the bank (including business units, second line and finance management department, etc.) to ensure that credit risk taking is consistent with the institution's strategy

• Cooperate with the department's reporting team, model team, policy team and data team to assist the whole department in credit risk control

Requirements:

• Degree holder or above in Finance, Economics, Risk Management, Accounting or related disciplines

• Minimum 3 years of experience in financial related industry

• Experience in managing both corporate and/or retail credit risk portfolios is highly desirable

• Possess professional certifications are highly valued, such as CFA for investment analysis, FRM for risk management, ACCA for accounting and finance, and CPA (Certified Public Accountant) for auditing and financial reporting

• Qualification in ECF is preferred

• Familiar with Hong Kong’s regulatory environment and requirements for credit risk management

• With strong data analysis capabilities and a proven track record in the following core areas: Credit Risk Management (corporate or retail clients) \Asset Quality & Provisioning Management

• Strong analytical skills, strategic thinking, and ability to balance risk mitigation with business growth objectives in a fast-paced, regulatory-intensive environment

• Able to adapt to Hong Kong's bicultural business environment and balance Chinese institutional practices with international banking standards

• Stress resistance, and understand the latest regulatory requirements such as Basel III and IFRS 9 for risk management practices

• Advanced skills in Excel and with experience with BI tools (Tableau, or Power BI) is an advantage

• Proficient in both English and Chinese, fluency in Putonghua is an advantage