Credit Risk Manager（consumer finance/Fintech）

Duties:

1. Responsible for credit risk management of personal loans and consumer finance business, including credit policy, approval rules, customer credit limit management and risk pricing;

2. Based on customer data and asset performance, continuously optimize credit scoring cards, risk strategies and approval processes;

3. Monitor loan portfolio performance, including approval rate, delinquency rate, bad debt rate, and changes in risk for different customer groups;

4. Regularly conduct risk analysis, stress tests, and Vintage Analysis, promptly identify potential risks and propose improvement solutions;

5. Collaborate with product, data, technology, operations and collection teams to drive risk strategies and related system functionality;

6. Participate in the risk assessment of new products and new businesses, and achieve a reasonable balance between business growth and asset quality;

7. Prepare a risk management report, providing data analysis and decision-making advice to the CRO and management team.

Requirements:

1. Bachelor's degree or above, finance, economics, statistics, mathematics, data analysis or related fields are preferred;

2. Have at least 8 years of credit risk experience in banks, virtual banks, consumer finance or fintech companies; those who are particularly suitable may be relaxed to 5 years or more;

3. Must have banking work experience, and understand the Hong Kong banking regulatory environment and lending business;

4. Familiar with unsecured personal loans, consumer credit or revolving loans;

5. Have experience in credit policy, risk strategy, scoring card, risk model, credit limit management, and loan portfolio monitoring;

6. Have good data analysis skills, be able to extract and analyze data using SQL; those who master Python, SAS or other analysis tools are preferred;

7. Able to independently complete risk analysis and drive strategy implementation, with good cross-departmental communication skills;

8. Familiar with the Hong Kong personal credit market and related regulatory requirements;

9. Have good communication skills in Chinese and English, those who can speak Cantonese are preferred.