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Head of Credit Portfolio Risk Management

PAO Bank LimitedHong Kong

14 天前

职位描述

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.

Portfolio Management • Hong Kong