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Head of Credit Portfolio Risk Management

Head of Credit Portfolio Risk Management

PAO Bank LimitedHong Kong
12 days ago
Job description

Responsibilities

1. Credit Portfolio Monitoring & Analysis

  • Conduct portfolio-level risk assessments (concentration risk, sector risk, borrower risk) across business and retail lending.
  • Monitor key risk indicators (KRIs), delinquency trends, NPL ratios, and early warning signals.
  • Perform granular segmentation analysis to identify high-risk exposures and rmend mitigation strategies.

2. Portfolio Strategy & Optimization

  • Define and monitor credit risk appetite framework in alignment with board policies.
  • Rmend portfolio rebalancing strategies (, exposure limits, sector caps, risk grading adjustments).
  • Work with the credit approval to refine underwriting policies based on portfolio performance trends.

    • 3. Policyernance and Internal Reporting

  • Take ownership of credit policies and framework and ensurepliance with HKMA regulatory requirements (, Basel III, IFRS 9, CR-G-14).
  • Prepare risk dashboards and reports for senior management, RMC, and regulators.
  • Support internal / external audits and regulatory inspections related to credit risk.

    • 4. Credit System and Operation

  • Drive change management of credit related systems and EUCs
  • Lead the Claims team responsible the SFGS claims efforts. Ensure timely submission of claims for defaulted accounts to HKMC and response to RFI.

    • 5. Cross-functional Collaboration

  • Partner with Credit Approval, Risk Analytics, and Finance teams to enhance risk frameworks.
  • Engage with Collections & Recovery to improve NPL management strategies.
  • Advise senior management on emerging risks and portfolio performance.

    • Qualifications & Experience :

  • 8+ years in credit risk management, preferably in a bank or digital lending business.
  • Strong expertise in portfolio risk analytics, credit policy andernance.
  • Familiarity with secured / unsecured lending products (business loans, SME lending, retail loans).
  • Knowledge of HKMA regulations (, Basel, IFRS 9, credit risk guidelines).
  • Degree in Finance, Risk Management, Economics, or related field; FRM / PRM / CFA a plus.

    • Keypetencies :

  • Strong analytical skills.
  • Ability to translate data insights into business strategy.
  • Excellent stakeholder management &munication skills.
  • Proactive mindset with a focus on risk-adjusted profitability.
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    Portfolio Management • Hong Kong