head of credit risk - hong kong - retail bank.

This position plays a critical role in defining the organization's risk strategy and ensuring the quality of the loan portfolio.

• Strategic Leadership: Direct the overall credit risk management function, ensuring a strategic balance between risk and reward across different credit cycles.
  
• Policy & Optimization: Formulate and refine credit policies, underwriting guidelines, and portfolio management strategies to optimize credit losses and risk-adjusted returns.
  
• Analytics & Modeling: Supervise the development of advanced risk analytics and credit models (including prediction and loss estimation) to enhance acquisition quality and portfolio performance.
  
• Business Partnership: Work closely with business stakeholders to identify growth opportunities, support new product initiatives, and execute business strategies.
  
• Insights & Reporting: Provide comprehensive credit analysis, forecasting, and presentations to internal stakeholders, auditors, and regulatory bodies regarding the status of consumer finance portfolios.

• Education: Bachelor’s degree or above in Business Administration, Risk Management, Statistics, or a related discipline; a Master’s degree is an advantage.
• Experience: At least 10 years of experience in Banking or Financial Institutions, specifically within Credit & Risk Management, including a minimum of 4 years in a managerial role.
• Domain Expertise: Proven track record in managing consumer finance portfolios with a deep understanding of the full credit cycle, credit control, pricing, and modeling.
• Technical Skills: Proficiency in SAS programming is a distinct advantage; professional qualifications such as CFA, CPA, or FRM are preferred.
• Language: Proficient in both spoken and written English and Chinese.