Responsibilities:

• Develop and maintain retail credit portfolio management reports aligned with current credit policies, business strategies and regulatory requirements, enabling timely asset quality monitoring and delivering actionable insights.
• Support retail credit monitoring through forward-looking analysis, leveraging advanced analytical tools and data-driven methodologies to identify emerging risks and opportunities.
• Assist in enhancing risk detection mechanisms and implementing multi-dimensional case review processes to strengthen the effectiveness and agility of credit monitoring.
• Proactively drive automation initiatives across credit monitoring workflows to streamline operations, reduce manual effort, and improve overall operational efficiency.

Requirements:

• Bachelor's degree or higher, preferably in Business Management, Statistics, Risk Management, Data Science and Technology, FinTech, Finance, Economics, or a related discipline, preferably with CFA, FRM, HKAB(ECF) qualifications
• Minimum 3 years 'experience, familiar with retail credit risk management, loan market and regulatory requirements.
• Proficient in both written and spoken Chinese and English; fluency in Mandarin is a distinct advantage.
• Good communication and interpersonal skills, a strong team player, able to collaborate effectively with colleagues across departments and at all levels.
• Independent, self-motive and able to work under pressure.
• Good analytical capabilities, with proven experience in credit risk analysis, portfolio monitoring, and data-driven decision-making.
• Competent in Microsoft Office Suite (Word, Excel, PowerPoint); proficiency in SAS is required, and experience with Python, SQL, R, Alteryx, or Tableau is preferred.
• Fast and accurate in both Chinese and English typing.

If you are applying for in-scope position(s) under the Mandatory Reference Checking Scheme (i.e., A role carrying out regulated activities licensed by the IA, SFC & MPFA), you are required to undergo the Mandatory Reference Checking. Our responsible recruiter will inform you the details of the MRC process and the requirements in due course. For details, please click here .