HK - GCB - Risk Manager (Mortgage and SME Business)

Full Time
Senior (6-10 years)

Job Description

HK - GCB - Risk Manager (Mortgage and SME Business)

Location: APAC-HKG-Hong Kong-Hong Kong

·            Manage the risk/reward dynamics for the Bank’s Merchant portfolio and SME Card business through establishing overall lending guidelines

·            Develop and formulate acquisition/ portfolio policies and conduct analysis to fine-tune the acquisition/portfolio management strategies in order to optimize risk and reward trade-off

·            Participate in the development and monitor the effectiveness of statistically validated approval tools

·            Conduct portfolio and collection management actions, such as early warning alerts, stress test and loan loss forecast

·            Ensure all credit processes are in compliance with company policies and requirements set out by the local as well as lead regulator through effective execution of control programs such as self-assessment, quality assurance, application audit

·            Knowledge in Mortgage would be an advantage, as it is expected to participate in Mortgage related projects.


·         Degree holder in Qualitative Analysis, Statistics, Accounting, Economics or Mathematics

·         Minimum 6-7 years of portfolio risk and analytics management experience in Mortgage and Merchant Acquiring Products

·         Analytical and logical with proficiency in data analysis using statistical or database program e.g. SAS, Access or Excel

·         Strong knowledge and experience in managing credit scorecards, stress testing, segmentation and Basel models

·         Self-initiative, effective communication and interpersonal skills as well as the ability to motivate others, strong sense of compliance awareness 


Technical Skills

  • Audit
  • Data Analysis
  • Microsoft Access
  • Microsoft Excel
  • Quality Assurance
  • SAS (Statistical Software)
  • Stress testing