Senior Manager / Manager / Assistant Manager, Unsecured Credit Approval, Retail Credit Approval & Administration, Control & Risk Management

• Perform credit assessment on all kinds of Credit Card and Unsecured Personal Loan applications to optimize the business credit risk and portfolio quality
• Perform credit evaluation effectively on all types of new Credit Card and Unsecured Personal Loan applications in adherence to pre-set credit policy, compliance, regulatory requirements and to meet established service turnaround indicators and quality standards
• Evaluate customers’ requests for credit extension such as permanent, temporary credit limit adjustment, card upgrade, early renewal, appeal for reassessment and account re-instatement
• Optimize credit approval rate on risk justified basis to cope with business direction and changing economic environment
• Identify potential credit, fraud and operational risks and recommend risk mitigation measures whenever appropriate
• Participate and ensure UAT smoothness of new acquisition campaigns and products
• Supervise junior lending officer and monitor quality of credit decision
• Perform ad hoc projects to achieve department goals and corporate objectives

• University graduate or equivalent qualification
• At least 3 years proven experience in credit approval of unsecured products
• Sound knowledge of unsecured lending principles, risk assessment as well as regulatory requirements
• Good communication skills with internal customers
• Proficiency in written and spoken English and Chinese
• Proficiency in MS Office
• Lending authority granted in current or latest job role
• Good integrity, self-initiative, positive and good team spirit
• Able to work independently under pressure