Credit Risk Manager

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Overview

Are you looking to develop your career in a thriving global organisation that places service at the core of its operations? This is an exciting opportunity to join a well-established financial services business that has recently grown significantly through acquisition, opening the door to unparalleled career advancement. The company boasts an outstanding culture, highly protective of its collaborative and inclusive environment. Employees are valued as partners in the business, with a shared commitment to delivering exceptional service through cutting-edge technology.

With multiple offices across key financial hubs such as Hong Kong and Dubai, and further expansion plans on the horizon, this is a chance to join a forward-thinking company with a global presence and ambitious growth trajectory.

Our client seeks a dynamic and driven Credit Risk Manager to join the expanding Risk Team. We want to hear from you if you are eager to work in an environment that fosters collaboration, values innovation, and offers substantial career progression.

Duties/Responsibilities

• Embody company values: accountability, passion, integrity, excellence, collaboration, and personalisation.
• Ensure full understanding and application of Consumer Duty policies and procedures, working closely with team members to achieve and maintain high standards.
• Credit Decisioning: Develop and refine credit decisioning and risk management frameworks essential for business growth and expansion initiatives.
• Credit Risk Strategy: Define and implement comprehensive credit risk strategies aligned with the company’s Risk Appetite, ensuring a balance between maximising credit access and mitigating potential risks.
• Implementation: Manage the credit approval process, ensuring thorough documentation and compliance with approval committee terms.
• Portfolio Management: Oversee portfolio performance, identifying early indicators and external market factors that may affect credit risk.
• Margin Call Management: Design and implement automated intra-day and inter-day margin call processes, working closely with Account Managers to address shortfalls.
• Collections Strategies: Develop and enhance collections strategies, balancing customer experience with portfolio returns in partnership with operational teams.
• Risk Analysis: Collaborate across finance, legal, and commercial functions to align credit risk strategies with business objectives.
• Collaboration: Partner with product, engineering, and compliance teams to ensure strategic goals are met while managing credit risk.
• Monitoring and Reporting: Provide regular updates to the Risk Committee, offering insights into portfolio performance, potential risks, and mitigation plans.
• Contribute to various team projects outside of Credit Risk to support the overall growth of the Risk Team.

Qualification & Experience

• Minimum of 5 years\’ experience managing credit risk policies within FX or payments firms.
• Bachelor’s degree in Finance, Business, or a related field.
• Demonstrated expertise in policy development and credit portfolio management.
• Strong knowledge of payment and FX firms and their operational frameworks is essential.
• Proficiency in data architecture and technologies essential to credit risk management.
• Exceptional problem-solving skills and a practical, solution-focused approach.
• Strong stakeholder management abilities, with the capacity to simplify complex information for diverse audiences.

This is more than just a job – it is a chance to be part of a global journey, working with talented professionals in an environment where your contributions are recognised and rewarded. If you are looking to take the next step in your career with a company that values growth, innovation, and culture, apply now.

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