Assistant Manager/ Manager, Asset Quality & Monitoring (Risk Management Dept)

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
• Develop and execute strategies to monitor/control credit exposures across sectors (e.g., real estate, manufacturing, geographic regions, and counterparty types (e.g., SOEs, SMEs); And ensure compliance with regulatory limits (e.g., single-borrower limits, large exposure rules) through robust reporting and risk appetite frameworks
• Liaise with regulators during inspections, ensure 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 preferable in Finance, Economics, Risk Management, Accounting or other relevant disciplines
• Minimum 3 years relevant experience in the financial related industry, experience in managing both corporate and/or retail credit risk portfolios is highly desirable
• Familiar with Hong Kong’s regulatory environment and requirements such as Basel III and IFRS 9 for risk management practices
• Advance skills in Excel (Pivot Tables, Macros or VBA) for data processing and trend analysis; Experience with BI tools (Tableau, or Power BI) to create dynamic risk dashboards and reports
• Familiar with the basic operation of Bloomberg system, Microsoft Office Suite especially in PowerPoint skills to present risk assessments and strategies to Management; Knowledge of using Word for drafting various types of risk analysis reports
• Strong data analysis capabilities, with a proven track record in the following core areas: Credit Risk Management (corporate or retail clients) Asset Quality & Provisioning
• Strong adaptability, stress resistance, strategic thinking, and ability to balance risk mitigation with business growth objectives in a fast-paced, regulatory-intensive environment
• Proficiency in both spoken and written English and Chinese (including Mandarin & Cantonese)