AVP, System Management - Consumer Credit Risk

Information Technology • Full Time • Hong Kong, Hong Kong, HK • 12h ago

Design, develop, and automate credit decisioning rules
Manage and maintain credit policy rules
Ability to generate revenue and build a sustainable client base

Purpose of the role:
This position is responsible for the design, development, testing, and maintenance of systems, with a primary focus on migrating the loan origination system and credit decision engine.

What You Will Be Doing:

Design, develop, and automate credit decisioning rules, scorecards, and limit assignment frameworks within the Consumer Credit Decision System to enable straight-through process of credit approval through programmed scripting.
Manage and maintain credit policy rules and parameters in front-end application systems, providing scenario planning and support for new system implementations and deployments.
Collaborate closely with the regional portfolio analytics team and in-country stakeholders such as Credit Risk and Business department to enhance credit process, support risk and business initiatives/projects, and identify opportunities to strengthen risk controls.
Participate in Credit Risk management system enhancements and IT projects across the region, ensuring timely and effective delivery.
Support the Team Head in conducting portfolio analytics and reviews for consumer secured and unsecured lending products, managing credit risk through rule design and monitoring of key portfolio risk indicators.
Analyze large datasets to identify trends and patterns that inform risk management decisions
Stay up-to-date with industry trends, regulatory requirements, and best practices, applying this knowledge to continuously improve risk management frameworks and processes.

What We Are Looking For:

A degree in Information Technology, Computer Science, Risk Management, Mathematics or Statistics.
5 to 10 years of experience in the financial industry, with a strong background in consumer lending and proven project management experience in credit risk management and IT systems.
Preferably with experience in supporting deployment of application models and systems in collaboration with IT teams.
Familiarity with credit decisioning applications and microservices is highly preferred.
Strong technical skills, including programming skills in SQL and Python. Knowledge of Power BI is an advantage.
Excellent analytical and problem-solving abilities, with the capability to translate complex technical concepts into clear, actionable insights for non-technical stakeholders.
A collaborative mindset, working effectively with diverse stakeholders across the organization.
A solid understanding of risk management principles and practices within consumer lending.
Proficiency in both written and spoken English and Chinese.

What we offer:

Competitive base salary. A suite of holistic, flexible benefits to suit every lifestyle. Community initiatives. Industry-leading learning and professional development opportunities. Your wellbeing, growth and aspirations are every bit as cared for as the needs of our customers.

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