Responsibilities :
Lead the approval team to conduct comprehensive credit assessment for unsecured products and treasury credit products, in compliance with the established policy guidelines as well as operating procedures and capable of striking a balance between risk and reward
Work with the business team and operations team to uphold the underwriting requirements and procedures to enhance the credit controls
Report to Head of Risk and communicate with management about the credit quality of customer portfolios, high risk accounts and other potential credit risk issues
Prepare regular and specific MIS/credit management reports for management review
Review and provide inputs on credit risk policies and procedures to cope with regulatory and macro-economy changes
Participate in system project implementation to achieve process automation and simplification and result in efficient operation
Render support on quality check to ensure compliance with the regulatory requirements and credit policy
Supervise and develop junior approval staff
Perform ad hoc duties as assigned
Requirements
Degree holder or above in Risk Management, Finance and Accounting or related discipline.
Minimum 12 years of experience in retail credit approval, exposure in wealth management credit approval is an advantage;
Well versed with credit judgment for personal lending products ;
Strong analytical skills with ability to clearly articulate approval justifications (written and verbal)
Strong leadership and management skills, with experience managing a team of risk professionals.
Sound knowledge of Excel , PowerPoint or related analytic tools is preferred;
Proactive working attitude and strong sense of responsibilities;
Good command of both spoken and written English and Chinese (including Putonghua).
