VP, Credit Manager, Consumer Loans
OCBC Wing Hang Bank Limited
Hong Kong, Hong Kong


  • Oversee daily credit approval and administration of consumer loan products and ensure proper credit control to mitigate potential credit risks
  • Recommend score cut-off strategy for consumer loan products under the Basel requirement
  • Perform credit assessment and evaluation of consumer loan applications in accordance with bank’s underwriting standard
  • Set up and monitor risk related triggers for early warning signs and / or identification of remedial management to preserve the portfolio quality
  • Perform regular portfolio review and report to analyze the customer profiles targeting customers with strong credit profiles and identifying weak segments
  • Review, formulate and refine in-house credit policies, related procedural manuals and credit risk control measures on regular basis to minimize credit loss
  • Establish the reporting framework for monitoring and managing the overall consumer loan portfolios through statistical tools
  • Requirements

  • University degree in Risk Management or Business Administration / related disciplines
  • Minimum 10 years’ credit assessment and portfolio risk management experience in consumer lending business of the banking field, knowledge in SAS or other statistical tool is a plus
  • Strong analytical skills with sound credit judgement
  • Self-motivated, mature with a strong sense of responsibility and good communication skills
  • Attentive to details and able to work under pressure
  • Good command of written English and Chinese
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