Senior Vice President & Deputy Head, Retail Financing & Credit Card Department

Role and responsibilities

• Monitor the credit risk through credit approval process to ensure portfolio quality
• Conduct comprehensive portfolio reviews to assess the overall credit risk profile and identify areas for improvement or risk mitigation
• formulate and review Bank’s credit policy and guidelines for secured and unsecured lending and credit card products, in compliance with the Bank’s and regulatory requirements
• monitor special credit assessment and limit control for effective portfolio management and address credit risk issues
• Stay updated on market trends, changes in regulations, and emerging risks to ensure the credit policies remain effective and aligned with the bank’s risk appetite.

Requirements

• Bachelor’s degree in finance, economics, or a related field. Master’s degree is preferred.
• At least 10 years’ experience in credit risk management within a retail banking environment.
• Strong knowledge of credit risk management principles, regulatory requirements, and industry best practices.
• Excellent analytical and problem-solving skills, with the ability to assess complex credit risks and make sound decisions.
• Demonstrated leadership abilities, with the capacity to effectively manage teams and drive results.
• Sound understanding of retail banking lending products, lending principles, and credit underwriting processes.
• Ability to adapt to a dynamic and changing regulatory environment.
• Good command of written and spoken English and Chinese (including Putonghua).