Section Head, Card Approval

Responsibilities:

• Lead a team of credit approvers to review, assess, and approve credit card applications within delegated lending authority and in compliance with internal policies.
• Manage and monitor credit quality of card portfolio.
• To formulate / revise credit policy, credit process, credit manuals / SOPs in accordance with the changing market environment / business strategy.
• To participate in system projects with the aim of optimizing the credit operation, credit risk, AML risk and fraud risk.
• Handle internal and external customer enquiries / complaints.

Requirements:

• Degree holder or above in Business Administration, Credit Risk or related disciplines.
• Minimum 10 years’ solid experience of unsecured lending in credit card / unsecured personal loan.
• Good knowledge of credit operation, operation system, credit guideline and regulatory requirment.
• Strong credit analytical and risk assessment skills.
• Good verbal and written commumication skills.
• Effective team management skill.
• Proficiency in Putonghua, Cantonese and English.

"Data held by the Bank relating to employment applications will be kept confidential and used only for consideration of applications. The bank may also refer suitable applicants to other vacancies within the Group. All personal data of unsuccessful applicants will be destroyed after the recruitment exercise. A copy of Personal Information Collection Statement is available upon request."