• Competitive
  • Hong Kong
  • Permanent, Full time
  • Citi
  • 2018-09-22

HK GCB Senior Credit Analyst Card Risk

HK GCB Senior Credit Analyst Card Risk

  • Primary Location: Hong Kong SAR of PRC,Hong Kong,Hong Kong
  • Education: Bachelor's Degree
  • Job Function: Risk Management
  • Schedule: Full-time
  • Shift: Day Job
  • Employee Status: Regular
  • Travel Time: No
  • Job ID: 18040513


  • Report to the Unsecured Products Risk Team Manager to drive portfolio asset growth within desirable risk appetite through robust policy framework and risk analytics
  • Manage & optimize Unsecured Lending products' Existing Customer Management (ECM) policies & processes namely authorization, credit line changes, renewal, authorization, over-limit, early warning alerts, stress test, early collection etc
  • Develop Risk Appetite Framework (RAF) and Benchmark for ECM actions. Develop value-added segmentation deep-dive to identify strong return profile for growth and pro-active exit of weak segment. Uphold the integrity of the risk-rewards decision with business partners
  • Develop, monitor and optimize utilization of various credit decision tools such as Credit Scorecards, Segmentation Models, Credit Bureau attributes, Decision Engine, Basel model etc
  • Participate and drive critical regulatory initiatives such as Stress Test Model development with the global modeling unit, regular stress testing & result documentation, global retail data automation project
  • Ensure all credit processes are in compliance with company policies and requirements set out by the local as well as lead regulator through effective execution of control programs such as self-assessment, quality assurance, application audit
  • Build and maintain high level of engagement in the unsecured portfolio risk team


  • Bachelor or Post-graduate degree in Business, Statistics or other related quantitative disciplines
  • Minimum 6-7 years of portfolio risk and analytics management experience in Cards and Unsecured Lending Products
  • Strong knowledge and experience in managing credit scorecards, stress testing, segmentation & basel models
  • Self-initiative, effective communication & interpersonal skills as well as the ability to motivate others, strong sense of compliance awareness 
  • Hands on skills in SAS programing and data analysis, MS offices
Hong Kong Hong Kong Hong Kong HK