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business banking risk manager b6.

职位概述

职位概览

    职位概述
    • Manage acquisition strategy and portfolio for Business Banking Products (Business Instalment Loan, Mortgage Lending against Property, Business Working Capital Loan) and ensure all risk dynamics are properly addressed and controlled through Credit Bulletins and key credit parameters.
    • Define desired portfolio shape and new booking profile for Business Banking Products to strike the balance between risk and reward for RORWA optimization.  Ensure key business partners are exercising business decision in discipline to achieve the desired portfolio shape.
    • Regular, constant, and timely review of credit processes with a view to effectively support the execution of credit risk management policies.
    • Deliver credit risk management responsibilities and achieve the outcomes set out in the Bank’s Conduct Principles
    • Properly and timely learn on regulatory risk area to work consistently with fully awareness in this area. 
    • Minimum the conduct risk.  We have zero tolerance on conduct risk.
    •  
    • Formulation, implementation, and review of prudent credit policies and processes for Business Banking segment.
    • Apply risk segmentation model for use in Business Banking Products and manage the credit decision engine systems, which form the statistical base for the formulation and modification of credit policies for acquisition and portfolio management
    • Take up the responsibility of 2nd line RO for any regulatory risk related to Retail Credit Risk as formulated in group ERMF framework. Work closely with first line PO to monitor, remind, alert and/or escalate timely for any emerging significant regulatory risk issue on retail portfolio.
    • Analyse portfolio and help to formulate credit strategies for different customer segments through tests and campaigns.
    • Adopt RDF analytical framework or similar quantitative analysis as much as possible in measuring business initiatives, decision should be made based on the Risk adjusted return, the net impact for the bank should be positive after loan impairment. 
    • Maintain a new booking shape within risk appetite as measured by RDF framework or similar practice if RDF not available, through diligent monitoring and continuous talk to business.

    Other responsibilities:

    • Properly perform the duties on management and ensure the effectiveness of internal control.

      • Be responsible for regulatory failure or risks arising from or in connection of the event over which the employee has the duties of management and/or leadership.

      • Be responsible for significant losses due to failure of effectiveness of internal control.

      • Properly perform the duties on supervisory, audit and risk control, including but not limited to

        - Contribute in the formulation or amendment of audit, risk control and accountability policies

        - Participate in the internal investigations or reviews on regulatory failure such as accountability review

      • Be responsible for regulatory failure or risks arising from or in connection of failure to perform the duties on supervisory, audit and risk control.

    Our Ideal Candidate:

    • Bachelor &/or Master Degree, preferably in MBA, Mathematics, Statistics, Finance, or Computer Science. Professional qualification is a strong plus.
    • Thorough understanding of Bank operations, credit policies, familiar with regulatory and compliance requirements.
    • Analytical skills in both numerical and non numerical matter.
    • Hard working, enthusiastic, and can work both independently and through teamwork.
    • Has a good command of written/spoken English and Mandarin
    • Good PC skills, in particular MS Word / Excel / PowerPoint
    • Manage acquisition strategy and portfolio for Business Banking Products (Business Instalment Loan, Mortgage Lending against Property, Business Working Capital Loan) and ensure all risk dynamics are properly addressed and controlled through Credit Bulletins and key credit parameters.
    • Define desired portfolio shape and new booking profile for Business Banking Products to strike the balance between risk and reward for RORWA optimization.  Ensure key business partners are exercising business decision in discipline to achieve the desired portfolio shape.
    • Regular, constant, and timely review of credit processes with a view to effectively support the execution of credit risk management policies.
    • Deliver credit risk management responsibilities and achieve the outcomes set out in the Bank’s Conduct Principles
    • Properly and timely learn on regulatory risk area to work consistently with fully awareness in this area. 
    • Minimum the conduct risk.  We have zero tolerance on conduct risk.
    •  
    • Formulation, implementation, and review of prudent credit policies and processes for Business Banking segment.
    • Apply risk segmentation model for use in Business Banking Products and manage the credit decision engine systems, which form the statistical base for the formulation and modification of credit policies for acquisition and portfolio management
    • Take up the responsibility of 2nd line RO for any regulatory risk related to Retail Credit Risk as formulated in group ERMF framework. Work closely with first line PO to monitor, remind, alert and/or escalate timely for any emerging significant regulatory risk issue on retail portfolio.
    • Analyse portfolio and help to formulate credit strategies for different customer segments through tests and campaigns.
    • Adopt RDF analytical framework or similar quantitative analysis as much as possible in measuring business initiatives, decision should be made based on the Risk adjusted return, the net impact for the bank should be positive after loan impairment. 
    • Maintain a new booking shape within risk appetite as measured by RDF framework or similar practice if RDF not available, through diligent monitoring and continuous talk to business.

    Other responsibilities:

    • Properly perform the duties on management and ensure the effectiveness of internal control.

      • Be responsible for regulatory failure or risks arising from or in connection of the event over which the employee has the duties of management and/or leadership.

      • Be responsible for significant losses due to failure of effectiveness of internal control.

      • Properly perform the duties on supervisory, audit and risk control, including but not limited to

        - Contribute in the formulation or amendment of audit, risk control and accountability policies

        - Participate in the internal investigations or reviews on regulatory failure such as accountability review

      • Be responsible for regulatory failure or risks arising from or in connection of failure to perform the duties on supervisory, audit and risk control.

    Our Ideal Candidate:

    • Bachelor &/or Master Degree, preferably in MBA, Mathematics, Statistics, Finance, or Computer Science. Professional qualification is a strong plus.
    • Thorough understanding of Bank operations, credit policies, familiar with regulatory and compliance requirements.
    • Analytical skills in both numerical and non numerical matter.
    • Hard working, enthusiastic, and can work both independently and through teamwork.
    • Has a good command of written/spoken English and Mandarin
    • Good PC skills, in particular MS Word / Excel / PowerPoint