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We are a consortium of over 30 banks in Hong Kong and Macau, and operating an inter-bank Automated Teller Machine (“ATM”) network, Internet Payment Gateway Service and Mobile Payment Service for our member banks. We have been a certificate holder of ISO 27001 and compliant with Payment Card Industry Data Security Standard ("PCI DSS") for more than 8 years. Please visit for more information.

Senior Credit Risk Manager


  • Formulate credit policies and procedures and develop product programs in adherence with regulatory requirements to support new business / product developments
  • Perform portfolio analyses and credit performance forecasts to identify potential risks and recommend risk mitigation and prevention measures
  • Manage the credit risk cycle including acquisition, portfolio management, collection strategies and credit system
  • Formulate recovery strategy to maximize recovery and initiate remedial or recovery actions against non-performing customers
  • Support marketing program launches through effective management of program risks and profitability
  • Develop, implement and monitor the use of application and behavioral scorecards and other risk management tools
  • Liaise and negotiate with relevant external and internal parties for due diligence, risk rating and portfolio and credit review
  • Review and formulate policies to keep abreast of regulatory requirements and reflect changes in risk and competitive dynamics in the SME markets


  • University degree in Business Administration, Finance, Risk Management, Information System or related discipline
  • Minimum 8 years’ relevant working experience from banking and financial industry in credit control and risk management of SME accounts
  • Intensive exposure to unsecured lending business in SME markets
  • Sound knowledge of regulatory requirements, market trends and industry practices on credit risk management
  • Strong business acumen with good initiative and resilience
  • Good analytical, problem-solving and report-writing skills
  • Ability to handle multiple tasks under tight schedule
  • A good team player with good communication skills to collaborate with various stakeholders for win-win solutions
  • Proficient in MS Office applications
  • Good command of written and spoken English and Chinese


We offer competitive remuneration package and career prospects to the right candidate. Salary will be commensurate with qualifications and experience. Our attractive remuneration package includes 5-day work week, year-end bonus, performance bonus, dental and medical benefits, employer voluntary contributions to MPF, education allowance, staff well-being sponsorship, birthday leave, marriage leave, family care leave, etc.

Interested candidates please send your full resume stating contact details, current and expected salary by clicking “”.

Personal data collected will be used for recruitment purpose only. We are an equal opportunity employer.

Job level Senior
Work Exp. 8 Years
Education Bachelor Degree
Location Hong Kong, Wanchai
Employment type Permanent
Industry Information Technology
Job function Banking / Finance (Credit)
Banking / Finance (Risk Management)
Marketing / Public Relations (Marketing - General / Support)
Published On 10/07/2019