螞蟻銀行(中國香港) 信貸風險審批高級專家/專家
Alibaba Group Holding Limited
Hong Kong
18分钟前

Job Description

1. 熟悉阿里生态各个行业 业态的经营与竞争模式 尤其是跨境及中国香港本地的生态场景 了解本地信贷市场 能够对各个行业 业态未来的发展趋势做出初步的判断 2. 在熟悉各个行业 业态的基础上 能够定制化的制定有针对性的行业风险管理方案 能够在控制信贷资产质量的基础上平衡好风险与业务发展的关系 3.

针对小微企业贷款 个人消费贷款的产品制定标准化的风险作业流程 4. 以行业风险管理方案为基础 通过多种手段进行个案 申贷主体 的贷前调查及风险评估 完成调查报告 风险判断做出信贷决策 完成贷后监控 确保信贷各个信贷流程符合风险管理要求 5.

针对严重逾期及坏账客户的分析并提交分析报告 6. 完成各类行业研究报告及新模式探索 1. Be familiar with industries, businesses and competition models within the Ali Eco-System (especially cross-border and local business in Hong Kong), as well as local credit market.

Be able to make a judgment on the future trends of those industries and businesses;2. Create customized risk management solutions for targeted industries.

  • Able to balance risk and business growth on the basis of ensuring the quality of credit assets;3. Develop standardized risk operation procedures for products of SME loans and personal consumption loans;
  • 4. Based on industry risk management plan, conduct pre-lending investigation and risk assessment of individual cases (loan applicants) via various methods;
  • complete investigation reports, credit decisions, and post-loan monitoring, ensuring that the credit process is in line with risk management requirements;
  • 5. Complete and submit analysis reports of customers with serious delinquencies and bad debt;6. Create various analysis reports and explore new modules.

    Job requirements

    1. 金融 财会 经济 法律或相关专业本科学士及以上学历 硕士研究生学历优先 2. 5年以上银行公司业务的审批工作或者信贷管理经验 3. 熟悉银行信贷产品 有行业化研究经验 有过数据分析经验的优先 4. 敏锐的洞察力及分析判断能力 管理能力 沟通及协调技巧以及承受压力的能力 5.

  • 语言要求 普通话 英文 粤语 1. Bachelor's degree or above in finance, accounting, economics, law or related majors is preferred;2. More than 5 years of experience in reviewing banking business or credit management;
  • 3. Familiar with banks' credit products; experience in industry research; data analysis experience is preferred;4. Keen insight with ability to make analytical judgment, good management skills, solid communication and coordination skills, and ability to work under stress;
  • 5. Language requirements : Mandarin, English, Cantonese.

    三年以上

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