Lead, Credit Risk Management (Policy and Governance)

Lead, Credit Risk Management (Policy and Governance)

Application Deadline: 31 December 2025

Department: Risk

Employment Type: Permanent - Full Time

Location: Hong Kong (SAR)

Description

About Mox

Mox is built by and for the ones who aspire to live life to the fullest - we call them Generation Mox! The name Mox reflects the endless opportunities we can create, - Mobile eXperience; Money eXperience; Money X (multiplier), eXponential growth, eXploration... it's all up for us to define together.

Why Mox

Everything at Mox - from our products, features, to rewards - is designed based on customer research, tailor made for your needs. We care about what customers care about, especially in data security and privacy. Data ethics is core to everyone here at Mox. Mox rewards you with an array of banking and lifestyle benefits. Who says banking can't be fun?

Responsibilities

• Work with the Head of Credit Risk to design strategies throughout the credit life-cycle, including acquisition, portfolio management, and collections
• Inform the development of business plans with the provision of cost and impairment and a balanced judgement on the external environment
• Support the portfolio analysis for identifying credit risk in the retail lending portfolio for recommendations on portfolio management strategy
• Formulate credit risk management policies for retail banking products and supervise the implementation
• Ensure full compliance with Mox Credit Policies and Process Standards. Dispensations or any gaps must be well supported and approved on a timely basis. Portfolio metrics and credit strategies are renewed on timely basis
• Carry out credit evaluation and risk assessment on retail credit policy and products
• Conduct the review of Bank's strategy and risk appetite on retail loan portfolio
• Review and support the coordination of procedure manual updates
• Perform due diligence for new products and credit programs and related implementation
• Closely monitor the delinquency and loss levels of portfolios and recommend appropriate portfolio and collection actions
• Ensure Lending and Credit Risk Squad teams to develop adequate system capabilities for proper credit risk management
• Liaise with data engineers in the design and implementation of credit risk strategies and portfolio management actions
• Proactively manage early warning signals and portfolio statistics for retail loans
• Ensure effective management of operational risks within the Credit Risk Team and compliance with applicable internal policies, and external laws and regulations
• Continuously improve the operational efficiency and effectiveness of risk management processes
• Ensure compliance with internal policies and local governance requirement and processes
• Escalate credit risk issues timely and ensure appropriate mitigating actions are devised and implemented, engaging all key stakeholders
• Coordinate with business and other functional units to streamline credit portfolio management tasks
• Work with Product team to ensure Business and Products counterpart align with the credit risk management principles, and support acquisition and portfolio programs by effective managing program risks and profitability

• Assist to liaise with regulators and auditors, and provide explanations and clarifications on the credit risk methodologies adopted by the Bank

  Key Stakeholders

  Internal:

• CRO
• Operational Risk Team
• Credit Risk Operation Teams (Collection, Credit Ops, Fraud Risk Management) Business Heads and Product Owners
• Portfolio Quality Reviews and ERC (or other forums, as may be applicable)
• Internal technology partners, squads
• Compliance and Customer Experience Management units
• HR team

• Internal Auditors

  External:

• HKMA and other local regulators

• External auditors

  Requirements

• Minimum 8 years of consumer credit management experience covering Unsecured Lending. Experience in credit approval / credit analysis is a plus
• Familiar with acquisitions or portfolio management credit policies, and/or have practical know-how in decision engine functions
• Sharp business acumen (including ability to assess risk and appropriate levels of return)
• Knowledge in the regulatory requirements and internal control on credit risk perspectives
• Detailed-oriented, good analytical, interpersonal and communication skills
• Result oriented, dedicated who can work on own initiative and can deliver on time under pressure with a high level of integrity and flexibility, attention in details and quality standard.