Assistant Manager / Manager, Business Analyst (Retail Banking – Credit Risk)

Responsibilities:

• Serve as a liaison between the business unit and IT department, facilitating communication on new projects and system enhancements.
• Streamline end-to-end workflows for retail banking credit applications and approval processes to optimize efficiency.
• Conduct comprehensive process and workflow analysis for retail credit applications to align with the bank’s Fintech strategy and regulatory requirements.
• Improve the performance of the credit processing dashboard for the team.
• Support the bank in meeting regulatory requirements through robust credit risk assessment processes.
• Identify trends in customer segments and contribute to credit risk analysis.
• Detect and analyze suspicious fraud credit applications to prevent and mitigate fraud cases.
• Assist in the implementation of strategies and control measures in approval systems.
• Prepare user requirements, review functional specifications, and support user acceptance testing (UAT) for credit processing-related system enhancements.
• Collaborate closely with stakeholders, including business units, IT department, operations, audit, and compliance.

Requirements:

• University degree in Mathematics, Statistics, Data Science, Computer Science, or related disciplines.
• Minimum of 4 years of risk management experience in the banking or financial industry, preferably with exposure to process re-engineering.
• Proficiency in SAS, VBA, Tableau, MS-Access, and Excel.
• Strong analytical mindset and problem-solving skills.
• Self-motivated with the ability to work independently and manage time effectively.
• Experience in credit processing / credit approval / IT project management is preferred.
• Excellent team player with strong project management, interpersonal, and communication skills.
• Fluent in spoken English and Chinese (including Mandarin).