Director- Credit Risk

Job Responsibilities - Develop, review and roll‑out retail lending credit risk policies, standards and control frameworks aligned with risk appetite and HKMA regulatory requirements. - Own end‑to‑end policy governance: draft, revise, socialise and maintain credit underwriting rules, limit framework, approval criteria and exception handling procedures for lending products. - Work closely with analytics / modelling team to interpret model outputs, translate model insights into actionable risk policies and business rules; participate in model validation review (hands‑on modelling experience desirable but not primary requirement). - Conduct portfolio risk review, identify emerging risk trends, perform gap analysis and propose policy adjustments to mitigate credit loss. - Support new lending product launch: assess risk implication, define corresponding policy controls and ensure regulatory compliance. - Prepare risk assessment papers, management reporting and policy briefing materials for risk committee and senior stakeholders. - Partner with business, underwriting, operation and compliance teams; provide risk advisory, drive policy implementation and monitor policy adherence. - Respond to regulatory queries, internal / external audit findings related to credit risk policies and controls. Job Requirements - Bachelor's degree in Finance, Statistics, Mathematics or related disciplines; FRM preferred. - Solid banking background with lending / retail credit risk experience, heavy focus on risk policy formulation and implementation. - Nice‑to‑have: practical exposure to credit risk modelling, stress‑testing or model governance. - Deep understanding of Hong Kong retail lending regulatory landscape and banking risk‑management practices. - Able to balance risk control with commercial business objectives; pragmatic in translating risk principles into operational policies. - Strong stakeholder communication, documentation and analytical skills. Fluent in English and Cantonese; working Mandarin.