Risk Manager, Retail Credit & Wealth Risk - Risk Management

Position Summary

This role will be a major contributor to management of the delinquent portfolios, collection analytics, formulation of collection strategies, management of the performance of internal and external collectors.

Responsibilities

Manage credit costs of retail lending products based on approved budgets

• Formulate collection strategies with the use of various credit decision tools such as credit scorecards, segmentation models, MIS reports, etc. for improving the efficiency of recovery
• Perform recovery and portfolio management related analytics to drive enhancements in collection strategies
• Manage the performance of internal and external collectors
• Support loan restructuring and interbank debt relief plan
• Participate in bank-wide projects such as system migration and A.I. adoption
• Work closely with various Business Units, as well as functions like Compliance, IT on work and strategy collaboration

Requirements

• University graduate in a relevant discipline, e.g. Risk Management, Accounting, etc.
• At least 3 years of experience in a relevant position; experience gained from banking industry is a plus
• Sound knowledge in retail lending products
• Sound knowledge in retail bank collection
• Good knowledge of data analytics and quantitative skills
• Experience in programming languages such as SAS, Python, R, etc. is a bonus
• Experience in handling internal and external collection agencies is a bonus
• Good interpersonal and communication skills
• Good command in both spoken and written English and Chinese