Canopy
WeLab (HK)

WeLab - Senior Manager, Credit Analytics - WeLab Bank

Senior Level
Hong Kong
Senior Manager, Credit Analytics
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About Us

WeLab aims to bring joy to everyone’s financial journey. We strive to improve people’s lives by reinventing financial services through game-changing technology. We put our people first, whether it’s our customers or our employees.

Who we're looking for

We are looking for an energetic Senior Manager, Credit Analytics to join our WeLab Bank team

What you will be doing
  • Support the Head of Credit on the strategic direction and operational daily credit risk management functions
  • Maintain the credit assessment frameworks, policies and controls across different areas including governance, credit approval, portfolio management, collection management, analytics framework and credit operation
  • Launch and monitor the lending product to ensure that the total credit risk (including counterparty credit risk) is within the risk appetite parameters
  • Liaison with the credit initiatives and work with other stakeholders (eg. Business, Operation, Technology, Finance, etc.) to grow the lending product in a healthy and sustainable manner
  • Conduct regular research to review retail lending credit policies and guidelines to ensure the company lending business grows healthily
  • Compile regular acquisition and portfolio MIS to ensure the performance is aligned with the budget expectation
  • Work on any ad hoc Credit related projects
Who you are
About you:
  • You're a go-getter with mad juggling skills (or multiple hats) who can thrive in a fast-paced, agile environment
  • You have a strong thirst for knowledge and are driven to find solutions that don't exist yet
  • You are comfortable with ambiguity and extremely resourceful (in your past life you could've been a detective)
  • You always find a way to get things done without sacrificing the quality of your work, integrity and values. No task is off limits for you.
  • You are humble and prioritize the success of the team over your own with an eagerness to help those around you
  • You don't shy away from challenges and have the ability to bounce back from setbacks
What is required and what we’re looking for:
  • University Degree holder or above in Accounting, Finance, Mathematics, Risk Management, Statistics or a related field
  • 10+ years of experience in banking industry, including experience in credit risk management of retail lending business, especially policy formulation and credit risk analysis
  • Programming Skills (eg. SAS and/or Python) is a must
  • Great problem-solving skills (proactive, leadership, flexible with strong analytical, interpersonal, negotiation) to help the Company to grow the lending business in a credit risk controllable manner
  • Strong technical experience in credit portfolio management of retail lending products
  • Experience in personal loan credit risk management is a must
  • Able to work in a dynamic and multinational culture and cope with high pressure
  • Excellent communication and project management skills
  • Ability to build effective relationships and liaise effectively with key business areas and management at all levels of the organisation
  • Have a strong desire to embrace and drive change with strong influencing ability
  • Any experience on the latest industry development such as fin-tech would be an added bonus
  • Candidate with less experience will be considered as Manager
What we offer
  • Competitive salary
  • Learning and development stipend, because we value lifelong learning and believe the best way to invest in our employees is to encourage them to continue to learn
  • Work hard and laugh lots (chicken wings and french toast, etc.) with a high-performing, fun and diverse team
  • Happiness Dollars for spending on anything that makes you happy
  • Coffee stipend
  • Conveniently located office surrounded by diverse and delicious lunch options
  • Lively office with gaming consoles and a ping pong table
  • Fun extracurricular activities with your colleagues like hiking, yoga, badminton, wine tasting, dragon boat racing, rock climbing, etc.
  • Employee referral bonuses

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23/F, K11 ATELIER King’s Road, 728 King’s Road, Quarry Bay, Hong Kong
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