Senior Credit Risk Manager, Retail Banking

Location: Kowloon, Hong Kong
Job Type: Permanent
Reference: 73675_1557213600
Sector: Risk Management


  • Ensure full compliance with Group Credit Policies and Process Standards.
  • Design, maintain and effectively communicate risk control parameters across the Unsecured Lending, Retail Credit, including policies, control standards, risk exposure limits
  • Assess the credit risk profile of the Unsecured Lending, Retail Credit and maintain alignment with risk appetite
  • Maintain an open and cooperative relationship in dealings with regulators
  • Obtain assurance regarding the effectiveness of credit controls and compliance with applicable laws & local regulations
  • Timely report of material risk events, breach of risk triggers, material shift in portfolio shape / threshold, and portfolio performance.
  • Ensure risk identification, measurement and modelling capabilities are objective, consistent and compliant with applicable regulations
  • Uphold the integrity of risk/return decisions, by challenging business and control function heads to demonstrate that risk origination and control decisions are properly informed and consistent with strategy and risk appetite


  • Solid credit management experience ideally gained in a leading banking group environment
  • Business Strategy and Model: Sharp business acumen (including ability to assess risk and appropriate levels of return), strong leadership qualities, excellent interpersonal skills and multi-cultural awareness and sensitivity
  • Risk Management and Control: Demonstrated track record in successful management and ability to manage risk in geographically dispersed and highly varied product base. Expertise in process design and control
  • Regulatory Framework and Requirements: Awareness and understanding of the regulatory framework in which the firm operates, and the regulatory requirements and expectations relevant to the role