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
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?
Who are we looking for?
We are looking for a Product Owner, Credit Risk to manage retail credit risk squad and complete the deliveries for retail credit risk systems.
Key Responsibilities
- Conduct ongoing research on retail lending and credit risk, emerging trends, and new features. Identify potential updates or changes within the sector and proactively inform relevant teams about these developments, along with potential applications and usage scenarios in our services.
- Gather, track and manage user comments, bank needs, concept testing, analytics tools.
- Facilitate the build and testing of operational processes, systems, and reporting capabilities.
- Escalate credit risk issues timely and ensure appropriate mitigations are devised and implemented, engaging all key stakeholders.
- Working closely with Risk teams and Lending squads to plan the product features backlog, prioritize, evaluate and deliver the initiatives. Ensure all teams has an adequate amount of prior prepared tasks to work on.
- Design, monitor and report on product and risk KPIs, measure effectiveness of features and sharing results and insights within the organization.
- To automate, enhance and support the on-going process of credit risk analytics and MI reporting.
Skills and Experience
- University graduate, preferably in Statistics, Mathematics, Computer Science, Economics, Finance, Risk Management or a related discipline
- Solid experience and knowledge in product or project management in retail credit risk
- Fluent in English and Cantonese
- Familiar with TransUnion and Credit Decision Systems, experience with FICO Decision Modeller is a plus
- Understanding of credit risk methodologies, with demonstrated experience of related modelling adoption and deployments
- Proficiency in assessing and comprehending the inherent credit risk associated with unsecured lending and credit card portfolios
- Experience in data warehousing and data management, knowledge on SQL and Tableau is a must and skills in Python is a plus
- Outstanding communication, presentation, and leadership skills
- Ability to manage resources and schedules to meet aggressive deadlines and influence through persuasive written and verbal communication
- Exceptional interpersonal and communication skills
- Sharp analytical and problem-solving skills
- An ability to think strategically and creatively
- Attention to details
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.
