Credit Risk Manager
Job Description
Requisition Number:
51829
Job Location:
Quarry Bay, HKG
Global Grade:
Other
Work Type:
Office Working
Employment Type:
Permanent
Posting Start Date:
23/04/2026
Posting End Date:
Job Description:
Job Summary
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
Mox helps you grow – your money, your world, your possibilities. We equip you with the financial management tools, information and insights you need to make your dreams, big or small, come true. 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.
Together we create a new standard in banking. We are always looking for awesome people who can work with us on this adventurous journey!
What we are looking for?
We are seeking an experienced Credit Risk Manager to support data-driven analysis, portfolio management, and credit policy refinement.
We are seeking an experienced Credit Risk Manager to support data-driven analysis, portfolio management, and credit policy refinement.
Key Responsibilities
· Analyze business data to inform credit risk decisions and identify areas for improvement
· Develop and maintain key risk performance metrics (e.g., delinquency ratios, loss ratios) and provide insights to stakeholders
· Perform credit portfolio analysis and prepare periodic and ad-hoc risk reports
· Assist in refining credit policies and procedures to ensure alignment with risk appetite, business objectives and regulatory requirements
· Understand and interpret ECL (Expected Credit Loss) models to inform credit risk provisioning and capital allocation decisions
· Analyze scorecard performance and propose in-use strategies on new acquisition and portfolio management
· Collaborate with stakeholders to drive data-driven decision-making and business growth
· Develop and maintain credit risk projection models to forecast future credit losses and identify potential risk areas
· Collaborate with data engineer in developing dashboards/MI automation
Skills and Experience
· Minimum 5 years of experience in retail credit risk management, preferably in cards and unsecured lending
· Strong analytical skills, with proficiency in data analysis tools (e.g., SQL, Python) and MI tools (e.g., Tableau)
· Experience with portfolio management MI and credit policy development/refinement
· Understanding of ECL models and their application in credit risk provisioning
· Experience with scorecard development, validation, and in-use analysis
· Ability to develop and maintain credit risk projection models, including stress testing and scenario analysis
· Excellent interpersonal and communication skills, with the ability to collaborate with stakeholders
· Strong business acumen, with the ability to assess risk and return
About Standard Chartered
We're an international bank, nimble enough to act, big enough for impact. For more than 170 years, we've worked to make a positive difference for our clients, communities, and each other. We question the status quo, love a challenge and enjoy finding new opportunities to grow and do better than before. If you're looking for a career with purpose and you want to work for a bank making a difference, we want to hear from you. You can count on us to celebrate your unique talents and we can't wait to see the talents you can bring us.
Our purpose, to drive commerce and prosperity through our unique diversity, together with our brand promise, to be here for good are achieved by how we each live our valued behaviours. When you work with us, you'll see how we value difference and advocate inclusion.
Together we:
- Do the right thing and are assertive, challenge one another, and live with integrity, while putting the client at the heart of what we do
- Never settle, continuously striving to improve and innovate, keeping things simple and learning from doing well, and not so well
- Are better together, we can be ourselves, be inclusive, see more good in others, and work collectively to build for the long term
What we offer
In line with our Fair Pay Charter, we offer a competitive salary and benefits to support your mental, physical, financial and social wellbeing.
- Core bank funding for retirement savings, medical and life insurance, with flexible and voluntary benefits available in some locations.
- Time-off including annual leave, parental/maternity (20 weeks), sabbatical (12 months maximum) and volunteering leave (3 days), along with minimum global standards for annual and public holiday, which is combined to 30 days minimum.
- Flexible working options based around home and office locations, with flexible working patterns.
- Proactive wellbeing support through Unmind, a market-leading digital wellbeing platform, development courses for resilience and other human skills, global Employee Assistance Programme, sick leave, mental health first-aiders and all sorts of self-help toolkits
- A continuous learning culture to support your growth, with opportunities to reskill and upskill and access to physical, virtual and digital learning.
- Being part of an inclusive and values driven organisation, one that embraces and celebrates our unique diversity, across our teams, business functions and geographies - everyone feels respected and can realise their full potential.
Information at a Glance
