1. Proactively manage the credit policy framework and ensure it’s updated in line with economic and portfolio trends, regulations and global/regional policies and guidelines.
2. Develop product programs for AMH lending products with product manager and manage each product program to achieve AMH’s profitability goals within the risk appetite.
3. Support the delivery of AMH key projects, including Transformation, HKMA regulatory requirement to ensure the compliance of the local regulatory requirement and business development.
4. Administer the dissemination of credit policies. Recommend and implement new policies or policy changes. Coordinate with IT and operations to implement policy if necessary.
5. Ensure regional compliance with all internal and regulatory controls in the dynamic local regulatory environment.
6. Develop and manage MIS to reflect delinquency, loss, vintage, profitability, new acquisition trend, score performance and possibility to increase profit from new and existing customers.
7. Analyze and identify potential areas of improvement in credit loss, product offers, credit procedures, etc. Escalate emerging risk issues timely and ensure appropriate mitigating actions are devised and implemented swiftly engaging all key stakeholders.
1. Degree holder with 3+ years of relevant professional experience in retail credit management, accounting, Retail Banking & Wealth Management, etc.
2. Well-developed analytical skills, with proficiency in data analysis using statistical or database packages (including SAS, SQL and Excel).
3. Highly motivated mindset, with the ability to work collaboratively with various parties to deliver assignments on time.
4. Excellent written and spoken communication skills. Proficiency in both English and Chinese.
福利待遇
- 具竞争力的薪酬：基本工资+绩效奖金+轮班补贴+早晚班交通津贴；
- 健全福利保障：五险一金+补充性商业医疗保险+免费年度体检；
- 畅享10+天假期：除享有国家法定节假日外，还拥有至少10天带薪年假、12天带薪病假、1天生日假、婚假、产检假、产假以及陪产假、哺乳假等，助您达到工作生活的平衡；
- 弹性福利制度：年假可买卖，商业医疗保险套餐可升级，您还可申请旅游补贴、个人进修补助、运动健身补贴等，满足个性化福利需求；
- 人性化工作环境：使用公司的员工餐厅、咖啡室、休息室、娱乐室等，进行劳逸结合；
- 多元化员工活动：运动会、团建、年会等精彩活动给您平台，任您施展才华。
培训与发展
- 广阔的职业发展平台：遍及全球的集团网络，提供扩展人脉及跨文化交流的机会，您还可申请不同国家及地区的长短期职位，不断挑战自我；
- 系统性人才培育及发展：配备职业导师，为您提供清晰的职业规划指导，充分挖掘横向及纵向的发展潜力；
- 完善的专业培训体系：入职即可享带薪培训，多元化的培训机会，还有资源及教育援助，帮您逐步实现职业目标。