At a Glance
- Tasks: Oversee credit risk and support informed lending decisions in a dynamic banking environment.
- Company: Respected international bank with a focus on innovation and collaboration.
- Benefits: Competitive salary, career development opportunities, and a chance to work with cross-border teams.
- Other info: Engage in impactful decision-making and enhance your professional growth.
- Why this job: Shape portfolio strategy while utilising your Mandarin skills in a global setting.
- Qualifications: 3+ years in credit risk analytics and strong analytical skills required.
The predicted salary is between 54000 - 66000 £ per year.
In this role you will oversee credit risk across a wholesale portfolio, ensuring alignment with risk appetite and enabling informed lending decisions. You will work closely with the risk function and senior stakeholders to monitor performance, run analytics, and support governance and regulatory reporting. You’ll lead stress testing, forecasting, and IFRS 9 provisioning to quantify potential losses. This is an opportunity to shape portfolio strategy within a respected international bank. You will interact with cross-border teams, bringing Mandarin language skills to bear on governance and decision-making.
Responsibilities
- Monitor portfolio performance and identify emerging risks, trends, and concentration exposures across sectors, geographies, and counterparties.
- Develop and maintain portfolio analytics, early warning indicators, and risk monitoring tools.
- Produce management information and risk reports for senior management, committees, regulators, and auditors.
- Lead portfolio stress testing, economic scenario modelling, and credit loss forecasting (IFRS 9 provisioning).
- Analyse credit data and risk metrics to support proactive risk management and mitigation.
- Monitor NPL trends and conduct root-cause analysis to improve portfolio quality.
- Manage debt write-off processes in line with governance and regulatory expectations.
- Support ongoing review and maintenance of credit risk policies and operating manuals.
- Contribute to portfolio strategy discussions regarding capital allocation, asset quality, and risk-adjusted performance.
Key requirements
- Minimum 3 years in Credit Risk Analytics, Portfolio Risk, Credit Risk Management, or Portfolio Monitoring in commercial, corporate, or investment banking.
- Strong understanding of wholesale banking credit portfolios (corporate, institutional, or structured credit).
- Experience monitoring portfolio performance and supporting risk-based decision making.
- Knowledge of IFRS 9 provisioning, stress testing, and scenario analysis.
- Strong analytical and problem-solving skills with large data sets.
- Advanced proficiency in Excel and experience with Power BI and SQL.
- Excellent communication and stakeholder management skills.
- Fluency in English and Mandarin.
Credit Portfolio Officer (Mandarin speaking) employer: Hays
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StudySmarter Expert Advice🤫
We think this is how you could land Credit Portfolio Officer (Mandarin speaking)
✨Tap into Campus Networks
If you're still in uni, don’t forget to engage with your campus's career services and attend finance-related events. Banks often do presentations and recruitment drives on campus, so put yourself out there and make use of these opportunities to show off your passion for the field.
✨Get Certified
Consider pursuing relevant certifications like the CFA or ACCA while you’re job hunting. They not only beef up your CV but also connect you with professional bodies which can lead to networking opportunities and even job openings in banking and financial services.
✨Connect on Professional Platforms
Join finance-focused groups on platforms like LinkedIn and engage in discussions. This can really help you stand out from the crowd, allowing potential employers to see your knowledge and interest in industry trends. Plus, you might stumble upon job postings shared exclusively within the group.
✨Apply Directly and Be Proactive
Don’t shy away from reaching out directly to firms like Hays. Use their websites and apply through them, but also consider following up with a polite email to express your enthusiasm. Being proactive can make a huge difference in getting noticed in the competitive financial services sector.
We think you need these skills to ace Credit Portfolio Officer (Mandarin speaking)
Some tips for your application 🫡
Show Off Your Numbers!:In the banking and financial services world, quantifiable achievements are key. Make sure your CV highlights your grades in relevant subjects, any financial certifications you hold, and specific projects where you've delivered measurable results. Employers love to see how your skills translate into real-world success.
Tailor Your Cover Letter to the Role:When applying for a full-time position, your cover letter should make a direct connection between your experience and the job description. Don't just state your enthusiasm for finance—dive into how your background in banking or financial analysis sets you apart. Let your passion shine through while being specific about what you can bring to Hays.
Include Relevant Financial Software Experience:If you've worked with financial modelling tools or software like Excel, SAP, or specific analytical tools during your studies or internships, bring that up! Highlighting your proficiency can really make your application pop and show you're ready to hit the ground running in a full-time role.
Research and Reflect:Before hitting that 'apply' button on Hays's website, do a little digging. Look up their recent projects, values, and culture. Reflecting their ethos in your application can make a huge difference and show you’re genuinely interested in being part of the team!
How to prepare for a job interview at Hays
✨Brush Up on Financial Analysis Skills
Make sure you're well-versed in financial concepts and analytical techniques relevant to banking and financial services. Get comfortable with tools like Excel for modelling or financial forecasting, as technical questions in this area are common during interviews with Hays.
✨Prepare for Case Studies
Expect to tackle case studies that demonstrate your problem-solving skills in real-world banking scenarios. Familiarise yourself with the types of problems you might face—think risk assessments or investment evaluations—and be ready to articulate your thought process clearly.
✨Show Your Passion for Finance
Since this is a full-time position, employers at Hays will be keen to see your genuine interest in finance. Be prepared to discuss recent industry trends or news articles that excite you, showcasing your enthusiasm and engagement with the field.
✨Network with Industry Professionals
Before your interview, reach out to current or former Hays employees on platforms like LinkedIn. They'll offer unique insights into the company's culture and the interview process, which can give us a delightful edge in showcasing a good fit for the team.
