Head of Credit Risk Management, Retail Bank

Company : Michael Page

Job Description - Head of Credit Risk Management, Retail Bank

Young and Energetic Environment
Work-Life Balance

About Our Client

The company is a leading retail bank in Hong Kong, offering unsecured retail products including credit cards and personal loans. Our business is driven by data-led decisioning, disciplined risk management, and sustainable growth.

Job Description

We are seeking an experienced Head of Credit Risk to lead end-to-end credit risk management for retail unsecured products, primarily Credit Cards and Personal Loans. This is a senior leadership role responsible for portfolio strategy, risk analytics, policy governance, and regulatory oversight.

Lead, coach, and develop a team of 10+ credit risk professionals
Define and execute credit risk strategy for retail products (Credit Cards & Personal Loans) aligned with business growth and risk appetite
Own credit risk policies, underwriting standards, risk appetite metrics, portfolio limits
Oversee end-to-end portfolio performance across acquisition, behaviour, and collections, including delinquency, loss rates, and profitability
Drive proactive portfolio actions through policy tuning, line management, pricing inputs, and strategy optimisation
Lead credit risk analytics and modeling, including scorecards, decision rules, and risk frameworks.

The Successful Applicant

10+ years of experience in credit risk management within retail banking or consumer finance
Proven experience managing credit cards and/or personal loan portfolios
Strong background in credit risk analytics, portfolio performance management, and scorecard-driven decisioning
Strategic thinker with strong commercial acumen and risk judgment
Ability to influence senior stakeholders and balance risk with business objectives
Excellent stakeholder management and communication skills
Fluent in Cantonese, English, and Chinese

What's on Offer

Young and Energetic Environment
Work-Life Balance
3.5+ months of Discretionary Bonus

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Head of Credit Risk Management, Retail Bank

Job Description - Head of Credit Risk Management, Retail Bank

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