We are a leading international bank focused on helping people and companies prosper across Asia, Africa and the Middle East. To us, good performance is about much more than turning a profit. It's about showing how you embody our valued behaviours - do the right thing, better together and never settle - as well as our brand promise, Here for good. We're committed to promoting equality in the workplace and creating an inclusive and flexible culture - one where everyone can realise their full potential and make a positive contribution to our organisation. This in turn helps us to provide better support to our broad client base. The Role Responsibilities Design, maintain and effectively communicate risk control parameters across the Secured Lending, Retail Credit, including policies, control standards, risk exposure limits and other control levers in order to maintain the business's risk profile in line with the Group's risk appetite. Assess the credit risk profile of the Secured Lending, Retail Credit and maintain alignment with risk appetite by rebalancing of risks or controls that may be required in response to internal and external factors. Review risk appetite metric and thresholds to ensure reflect the characteristics of portfolio, key risk drivers, market environment and control are considered in the annual risk appetite review process in accordance to Group framework and mapping out a plan to enhance underwriting/ portfolio management policy. Support ICAAP and Stress Testing exercise by review Loss rate, Credit Risk Weighted Asset, Credit migration results with historical trends and whether the results suggest higher level of risk for certain portfolio segments and ensure effective management response plans are in place to respond to extreme but plausible scenarios. Responsible for maintenance of the Credit strategy management and authorisation parameters, conduct assurance test and support implementation of regulations, internal policies/ standards and models. Design, maintain and ensure effective risk parameter in Underwriting system and Transaction systems to support the initiatives, projects and in compliance of internal policies/ standards. Review credit monitoring reports, investigate the trends/key risk drivers, inform and propose controls & remediation actions. Identify potential concern segment with remediation actions for Retail Clients Secured Lending to ensure that it's aligned to the agreed risk appetite, reflects the key risk characteristics of the portfolio, and enables effective controls. To recommend appropriate portfolio and collection actions for remediation. Review the complaint case and feedback to relevant stakeholders (Customer care unit, Business, Retail Risk etc.) and evaluating potential action plans. Review and ensure Group forecast portfolio loan impairment (IIP, ECL) trends fully reflect the credit actions, portfolio growth plan and market environments (outlook, regulations, bankruptcy trends) as well as risk mitigations plan. Administrative country credit bulletin, country credit policy manual and procedures to ensure the compliance of Regulations, Group Credit Policies and Process Standards. Dispensations or any gaps must be well supported and approved on a timely basis. Country Approval Documents and Country Credit Policy Manual are renewed on timely basis. Implement the Scorecards, Models and Basel requirements as per internal standards. Review, maintain and resolve the data quality/ parameter issue of Scorecards, Models and Basel requirement. Analysis the impact to downstream impact with remediation actions. Direct appropriate response to material events or other risk issues that come to the Head of Credit Risk Management, Secured Lending's attention. To collaborate with RSSC team and CRM Analytic Hub team to ensure timely delivery of MI report and implement the change in reporting. Timely report of material risk events, breach of risk triggers, material shift in portfolio shape / threshold, and portfolio performance in PQR deck. Ensure that material risk exposures and related issues are reported to the responsible governance committees. Ensure risk identification, measurement and modelling capabilities are objective, consistent and compliant with applicable regulations. Initiate stress tests as required by internal and external factor / stakeholders, including local regulators and review results and assess their implications. Communicate and Management of all internal stakeholders, including developing relationships with business partners, group teams, and balancing the role with stakeholder expectations. Ensure effective management of operational risks within the Function and compliance with applicable internal policies, and external laws and regulations. Continuously improve the operational efficiency and effectiveness of risk management processes. Ensure compliance with local governance requirement and processes. To encourage the development of an appropriate risk culture and discipline. Maintain and develop risk capabilities and skills to meet ongoing business needs and plans. Our Ideal Candidate Minimum 8 years of consumer credit management experience covering Secured Lending Market Knowledge Solid experience in the banking industry, including demonstrated success in a similar role Business Strategy and Model With good business acumen (including ability to assess risk and appropriate levels of return), good interpersonal skills and multi-cultural awareness and sensitivity Risk Management and Control Ability to manage risk in highly varied product base. Expertise in process design and control Regulatory Framework and Requirements Awareness and understanding of the Hong Kong regulatory framework in which the firm operates, and the regulatory requirements and expectations relevant to the role Non-technical Skills Good relationship management experience Apply now to join the Bank for those with big career ambitions.