Ant International-Credit Risk Manager / Senior Manager-Ant Bank

Reporting directly to the Head of Credit Risk, the Senior Credit Risk Manager will assume end-to-end strategic ownership of the bank’s retail credit portfolio, data infrastructure and portfolio analytics framework. This pivotal role blends hands-on data expertise with leadership to drive the portfolio grwoth, ensure robust model governance, and directly influence the bank’s credit strategies. Job Responsibilities: ● Provide data-driven insights to direct credit strategy and shape credit product development and portfolio management. ● Lead the development, enhancement, and optimization of the credit data warehouse. Establish, implement, and maintain rigorous data standards and governance requirements to ensure data integrity. ● Design and deploy a comprehensive credit risk monitoring mechanism for the credit loan portfolios. Establish early-warning Risk Indicators and automated MI reports. ● Proactively monitor and analyze the credit portfolio to identify emerging risk trends, shifts in customer behavior, and potential delinquency/default vectors. Conduct deep-dive segment analysis to support strategic decision-making. ● Serve as the custodian for credit model governance. Act as the key liaison working closely with internal model development and independent validation teams to ensure compliance and model accuracy.

• 7+ years of relevant experience in credit risk analytics or portfolio management within the banking sector. ● Proficiency in SQL or Python is a must. ● In-depth understanding of Hong Kong Retail loan market and the relevant regulatory requirements. ● University degree holder in a quantitative or business-related field ● Good command of written and spoken English and Chinese (Cantonese and Putonghua). ● Ability to work independently, manage complex projects under tight timelines, and thrive under pressure in a fast-paced banking environment. ● Candidate with less experiences might be considered as Manager role.