Credit Risk - Securities Brokeage/ Asset Management ( HKD50-80K)

Report to: Head of Credit Risk

Key Responsibilities

• Draft & update SFC-compliant credit policies for margin financing, IPO loans, stock & bullion secured lending
• Conduct credit underwriting, assess client financial status, set credit limits & collateral haircuts
• Daily monitor portfolio LTV, single-stock concentration, volatile collateral & overdue margin accounts
• Oversee margin call, early warning and forced liquidation workflows
• Run portfolio stress tests and prepare weekly/monthly credit risk MIS for Risk Committee & senior management
• Collaborate with frontline branches, compliance, ops and IT to optimise risk control systems
• Handle delinquent accounts, design recovery procedures and recommend bad debt provisions
• Supervise credit analysts, review assessment reports and deliver regulatory compliance training

Requirements

• Bachelor's degree in Finance, Accounting, Risk or related fields; FRM/CFA preferred
• Min 6 years credit risk experience at HK retail securities broker with margin financing exposure
• Deep knowledge of SFC Type 8 licensing rules, Financial Resources Rules & collateral requirements
• Hands-on experience monitoring HK/US stock collateral, IPO grey market lending portfolios
• Strong Excel skills for risk data analysis; familiar with brokerage risk systems a plus
• Fluent English, Cantonese & Mandarin
• Balanced risk mindset to support brokerage business growth while controlling credit loss