Posted on 2022-05-19
Hang Seng Bank Limited

Assistant Retail Credit Risk Manager

Hang Seng Bank Limited

Risk and Compliance Division – Retail Portfolio Management Department

Hang Seng's Risk Division strives to maintain a well-balanced risk profile for the Bank while enabling businesses to thrive. Our team actively manages a varied and dynamic range of risk types. We are dedicated to collaborate with businesses, other functional units and regulatory bodies to develop and implement robust and customized risk management frameworks and measures to maintain the strong market position of the Bank. 

Retail Portfolio Management supports businesses to achieve the optimal profits within the Bank's risk appetite by reviewing and monitoring the retail credit portfolio through policies, procedures, systems and predictive models, and managing problem loans effectively.

We are currently seeking a high caliber professional to join our department as Assistant Retail Credit Risk Manager.

Principal responsibilities

  • Assist in the formulation and revision of credit policies for unsecured lending products
  • Liaise with business units in developing credit criteria for new business initiatives for unsecured lending portfolios
  • Familiar with internal and regulatory guidelines and ensure compliance in policies formulation and execution.
  • Undertake system projects to mitigate credit risk of credit portfolios. Manage various decision engines for consistent policy execution and operation efficiency.
  • Conduct quantitative analysis to review asset quality and perform various risk studies 
  • Keep abreast of the latest development of credit management, maintain alertness to cope with market environment changes.



  • University degree in Risk Management, Statistics, Mathematics or related discipline
  • Minimum of 2 year’ banking experience, preferably with knowledge of retail lending business
  • Have knowledge of data analysis using programming tools such as Python, SAS, Tableau, MS Access / Excel an advantage
  • Strong analytical, problem-solving and time management skills
  • Proficiency in both English and Chinese 

If you would like to explore other opportunities at Hang Seng Hong Kong, please visit for details.

The health and safety of our employees and candidates is very important to us. Due to the current situation related to the Novel Coronavirus (2019-nCoV), we’re leveraging our digital capabilities to ensure we can continue to recruit top talent at the HSBC Group.  As your application progresses, you may be asked to use one of our digital tools to help you through your recruitment journey.  If so, one of our Resourcing colleagues will explain how our video-interviewing technology will be used throughout the recruitment process and will be on hand to answer any questions you might have.

All information provided by applicants will be used only for recruitment purposes and will be used strictly in accordance with the Bank's personal data policies, a copy of which may be obtained by the applicant upon request. Unless otherwise instructed in writing by the applicant concerned, applicants may be considered for other suitable positions within the Bank and its related companies. The personal data of unsuccessful job applicants may be retained for a maximum of two years from the date when the job application is rejected and such data may be retained for a longer period if there is a subsisting reason that obliges the Bank to do so, after which the personal data will be destroyed.

More job information
Job Function
Employment Term
  • Permanent
  • Full-time
  • 2 years - 20 years or above
Career Level
  • Middle management level
  • Degree