• Negotiable
  • Hong Kong
  • Permanent, Full time
  • Standard Chartered Bank Hong Kong
  • 14 Feb 18

Senior Manager, Credit Risk Management, Business Banking, GCNA

  • Location: Hong Kong
  • Salary: Negotiable
  • Job Type: Full time

We are currently looking for Senior Manager, Credit Risk Management, Business Banking, GCNA

Business / Product Development:

- To support business / product developments of Business Banking in GC by providing feedbacks and information relating to prospective target market segment risks
- To formulate credit policies / develop product programs to support new business / product launches
- To provide necessary portfolio analysis and credit performance forecasts, and to review financial proposition with the Business to ensure good growth of quality assets
- To review and ensure that Credit Approval Document and Product Programs are renewed on timely basis

Credit Initiation:
- To constantly review and formulate new acquisition policies to reflect changes in risk/competitive dynamics in the GC market place
- To support acquisition marketing programs launches through effective management of program risks and profitability
- To monitor programs approval rates and help maximize approval rates without compromise in new accounts quality
- To implement and monitor the use of application scorecards and other risk management tools/systems, to ensure that newly acquired customers are of acceptable quality
- To support process streamline in credit operations to ensure a more efficient workflow without compromise in controls
- To support the development of management information systems, which from the statistical base for the formulation and modification of credit policies
- To coordinate with New Accounts to ensure timely reporting of related new business information to senior management

Portfolio Management
- To manage portfolio risks and profitability through constant review and effective formulation of portfolio policies, including topup and renewals
- To support portfolio marketing programs through effective management of program risks and profitability and to maintain a balanced mix of risk segments
- To implement and monitor the use of behaviour scorecards and other risk management tools / systems, to ensure that portfolio quality is maintained
- To perform periodic monitoring and analysis of portfolio performance to ensure that sound portfolio quality is maintained
- To establish early warning mechanisms, stress tests and contingency plans for business recovery management purposes
- To support the development of management information systems, which form the statistical base for the formulation and modification of credit policies
- To ensure timely reporting of related portfolio information to the senior management
- Testing and monitoring grades and pools, analysis of summary reports from the firm's rating systems
- Implementing procedures to verify that grade and pool definitions are consistently applied across departments and geographic areas in the region
- Reviewing and documenting any changes to the rating process, including the reasons for the changes
- Reviewing the rating criteria to evaluate if they remain predictive of risk (and changes to the rating process, criteria or individual rating parameters must be documented and retained); active participation in the design or selection, implementation and validation of models used in the rating process; oversight and supervision of models used in the rating process; and ongoing review and alterations to models used in the rating process

Collections:
* To ensure that a proactive, dynamic and flexible loss forecasting model is maintained and to prepare periodic loan impairment forecast for the portfolio.
* To liaise with internal stakeholders and government bodies/insurers to enhance SME guarantee underwriting and default claim processes.
* To closely monitor the delinquency and loss levels of portfolios and recommend appropriate portfolio and collections actions to be taken.