1. Assist in the formulation of credit risk policies on a wide range of retail secured lending products 2. Liaise with business units in developing credit criteria for new business initiatives 3. Conduct quantitative analysis to develop new credit acceptance strategies 4. Develop and compile management reports for the monitoring of credit performance. 5. Undertake credit system enhancement projects 6. Familiar with internal and regulatory guidelines and ensure compliance in policies formulation and execution 1. University degree in Risk Management, Statistics, Finance, Business Management, Economics or related discipline 2. Minimum 2 year's relevant banking experience with knowledge in retail lending business 3. Good analytical skill and proficient in data analysis using statistical tools such as SAS / SQL/Microsoft R / Python 4. Self-motivated, strong analytical mindset, able to meet tight deadlines. 5. Highly proficiency in both English and Chinese 6. Great sense of ownership and servicing mindset to ensure efficient and effective customer service processes