• Definition of the Credit Policy and other relevant internal regulations
• Steer credit review and risk assessment of the new transactions/clients/limits, including pre-review of the potential new clients
• Ensure timely and professional credit decisions on the transactions including contract extensions/rollovers/modifications, etc., according to the valid approval matrix
• Steer client rating calculation and review, including updates on the external rating changes
• Ensure the timely performance of regular customer reviews, including the definition of adequate strategy/actions for watch-list clients
• Oversee the Credit Monitoring team in the execution of agreed strategies for watchlisted customers
• Define credit standards, templates, and tools and ensure their consistent utilization
• Manage relationships with regional gateways, financial institutions, and scheme partners and ensure Payment Card Industry (PCI) compliance 
• Provide Payment solution requirements and impact assessment on payment collection for new product and service launches 
• Drive operations excellence initiatives using data-backed strategies
• Manage and grow third-party vendor relationships such as Bureaus, KYC solution providers, and Fraud detection solutions
• Drive KPIs such as customer approval turnaround time, application fraud reduction and cost efficiency
• Manage day-to-day operations of credit underwriting 

Skills: Credit Policy, Risk Assessment, Credit Decisions, Client Rating, Credit Monitoring, Vendor Management, PCI Compliance, Underwriting Operations

• Participate in the monthly Credit Risk Committee
• Develop the Bank's “risk appetite” in terms of credit risks
• Ensure the regular review and compliance with the credit risk management policy and procedures
• Prepare reports, analyses, scenarios, and stress tests (especially for the ICAAP)
• Participate in decisions within the credit committee on behalf of the “2nd line of defense”
• Validate and periodically test the quantitative models used in credit risk management
• Validate about credit risk and its management, new products and activities
• Periodically validate regulatory reporting on credit risk
• Ensure a regulatory watch on areas related to credit risks
• Develop, monitor and maintain the credit, liquidity and IRR elements of the RMF, risk profile, risk appetite, key risk indicators and risk governance
• Provide oversight and assurance of the business credit, liquidity and IRR risk-taking activities, systems and controls
• Monitor and test the Firm’s credit, liquidity and IRR risk profile relative to its appetite
• Provide oversight of stress testing and scenarios

Skills: Credit Committee, Risk Appetite, Policy Compliance, Stress Testing, Model Validation, Regulatory Reporting, Risk Monitoring, Risk Governance

• Monitor overall credit risk of all retail, wealth management and institutional clients
• Manage risk exposure at the client level, firm level, counterparty level and product level
• Approve and recommend clients’ limit and interest rate application
• Arrange structural loan proposals and ongoing monitoring
• Coordinate the firm’s daily operations including clients’ fund withdrawals, trade support, block trades, placement and IPOs
• Investigate and identify operational risk and propose solutions
• Establish, formulate and review risk-related policy and procedure to meet regulatory standards
• Assist SFC and HKEX on queries and investigations
• Conduct regular review and monitoring of credit risk models and liaise with model validation during its annual model validation cycle
• Set up credit analytics capabilities and business portfolio risk models to ensure the predictability of portfolio health
• Work with the Front Office and Deal teams on any new transactions 
• Work with the Credit Approving team on Credit Strategy and Limits management and ensure that Risk is managed within Risk Appetite and/or Risk Limits of the Bank 
• Qualitative analysis of the industry and advising the Front Office on trends in the industry 
• Drive business strategy through Credit Analysis to ensure long-term business performance

Skills: Risk Monitoring, Exposure Management, Limit Approval, Loan Structuring, Operational Risk, Policy Compliance, Model Validation, Credit Analysis

• Conduct underwriting based on the credit manual and create and oversee compelling credit memos to be presented to the credit committee
• Includes some more clerical work, but is essential to the blocking and tackling of business
• Verify the borrower’s identity and income
• Analyze the borrower’s financial documents
• Interact with clients to request additional information by phone or by email on an ad-hoc basis
• Forecast, track and measure key business metrics to help optimize underwriting procedures
• Lead the Credit LatAm Team
• Monitor client facilities by conducting daily evaluations
• Responsible for reviewing legal documentation and ensuring proper administrative follow-up of credit decisions
• Responsible for conducting company and industry research
• Implement a customer selection and acceptance framework that incorporates legal processes and a streamlined credit decision-making process
• Rehabilitate customers with credit problems who are willing to be helped and are capable of recovery
• Analysis, identify risk, and provide a recommendation or approve credit application and borrower rating requested by the front line to create a good quality portfolio with benefits to the company
• Review a credit rating and financial spread

Skills: Underwriting Process, Credit Memos, Identity Verification, Financial Analysis, Client Interaction, Metric Tracking, Legal Review, Risk Assessment

• Ensure billing accuracy, timeliness, and completeness as well as compliance with financial and regulatory requirements
• Ensure service delivery KPIs are met, perform a quality review on vendors, business process outsource teams and in-house team
• Manage and resolve escalated bill issues and disputes
• Review new products and services launch for an end-to-end billing requirements set up, and subsequent staff training
• Streamline and improve billing operations, controls and billed revenue assurance through the use of Data Analytics
• Conduct a customer aging meeting with Senior Management to review collections efforts on overdue accounts
• Implement the Credit Management Module and review the credit policies
• Partner with the Business to initiate collection efforts including negotiating payment plans and settlements
• Lead in consumer and enterprise credit control initiatives including reviewing and approving credit requests
• Initiate new collection improvement plans to downsize receivables to improve cash flow
• Manage outsourced vendor performance via service delivery KPIs tracking 
• Lead in process automation and seek continuous improvement 
• Manage OTC policies in the areas of Refunds Policy, Bank Mandate Approval, etc. 
• Conduct monthly Provision for Doubtful Debt and ensure compliance with IFRS9 standards
• Oversee tactical delivery of POS (Point of Sales) and Payment Mode operations for both onshore and offshore teams

Skills: Billing Accuracy, KPI Tracking, Issue Resolution, Billing Setup, Data Analytics, Credit Policy, Collection Strategy, Process Automation

• Experience in analytical, problem-solving and data-driven roles in a fast-paced environment
• Prior experience in the fraud/risk domain
• Strong communication and stakeholder management to identify initiatives with business units, prioritize tasks within the Risk organization, give visibility to management and request assistance from Product teams
• Strong analytical skills with the ability to collect, organize, analyze and disseminate significant amounts of information with attention to detail and accuracy and present them clearly and coherently to various stakeholders
• Confident, independent and strategic thinker who promotes the communication of new, unique ideas and the adoption of new ways of working and thinking to business unit management
• Excellent organizational agility at prioritizing tasks, aligning a large group of stakeholders and getting things done
• Strong project management with excellent written and verbal communication skills focused on improving collaboration, knowledge and information exchange across various stakeholders
• Adept at wrangling both structured and unstructured data and crunching insights with the help of SQL, Big Query, Python and visualization tools like Tableau, Data Studio
• Understanding and ability to apply ML models to Risk problem statements and familiarity with classification algorithms, text mining and unsupervised learning algorithms 
• Experience and an openness to leverage data science and alternative data to identify nontraditional underwriting strategies for unsecured and education lending that enhance performance
• Able to have initiative, persistence, and entrepreneurial spirit and energy, with the desire to be part of a fast-growth start-up environment
• Ability to collaborate with, influence and persuade others with an inspirational leadership style

Qualifications: BA in Accounting with 6 years of Experience

• History of developing and mentoring teams and communicating vision to directors and executive leadership
• Excellent oral communications, bringing thought, vision and strategy leadership with excellent presentation skills
• Ability to translate complex technical terminology, concepts and issues in terms understandable to technical and non-technical management and staff
• Strong, positive track record of innovation and collaboration – able to work with diverse teams in diverse locations, engaging their input and commitment to success
• High level of organization, managing risk and decision-making skills working in a fast-paced work environment
• Experience in remotely managing teams in a global setting
• Advanced knowledge of EA frameworks
• Experience in defining and implementing strategies to move infrastructure from on-premises to cloud environments
• Experience as technical lead organizing and mentoring junior and intermediate level engineers/architects
• Experience with delivering architecture domains for Business, Data, Application and Technology within formal industry methodologies such as TOGAF, FEAF, etc.
• Ability to speak in public settings and/or large audiences
• Proven ability to successfully manage a wide range of internal and external stakeholders

Qualifications: BA in Economics with 7 years of Experience

• Strong powers of articulation and presentation both in the preparation of policies/strategies and presentation of the same to Senior Management
• Strong understanding of operational, legal, and credit risks related to the key products offered by FAB both in the GCC and internationally
• Knowledge of risk rating models and Basel II/III and IFRS 9
• Ability to multi-task, handle pressure and work in a dynamic environment
• Experience with credit card or credit card co-branding launch projects
• Strong ties with Financial Institutions and Card Issuers
• Experience in the banking industry, financial institutions and commercial banks
• In-depth knowledge of customer onboarding, loan application process, post-loan management, and customer relationship maintenance
• Strong ability in training and coaching the sales team, developing clear KPI with a result-oriented approach
• In-depth knowledge of credit policy and law, marketing analysis, brand management, market targeting, and product development
• Good communication, presentation, problem-solving, and self-disciplined
• Excellent in English both speaking and writing, Chinese
• Proficiency in MS Office (Word, Excel, PowerPoint), Internet, Email

Qualifications: BA in Data Analytics with 4 years of Experience

• Knowledge of P&L management or delivery, ideally on credit products
• Demonstrate a solid understanding at a strategic and technical level of how credit products operate and the various dynamics from a retail, economic, industry, regulatory and customer perspective
• Proven leadership and strong relationship management skills
• Able to influence and achieve buy-in to strategies and plans, motivating around a solution
• Be able to liaise at ExCo level independently to resolve issues or progress initiatives
• Must have a proactive mindset to be able to define and pursue a path without direction
• Able to represent/understand the perspective of all internal and external stakeholders
• Excellent written and verbal communication skills at all levels, with proven understanding of the value of research and understanding customer needs
• Highly numerate with the ability to deliver a trading and commercial focus across direct reports and the broader team
• Experience in major financial institutions, in credit and risk-related functions
• Working experience in the Consumer Payments business and Product Management

Qualifications: BA in Business Analytics with 3 years of Experience

• Work experience in related areas such as project management, financial services, data analysis, or field team management
• Demonstrated ability to manage projects and teams, especially in a high-growth and performance-driven environment
• High level of comfort working with data, with the ability to translate analysis to insights, and insights to action
• Solid understanding of credit risk and consumer lending
• Outstanding written and verbal communication skills (English)
• Passion for the company and customers
• Experience in a comparable sector, such as in Digital Financial Services, in Telecom, or for a Financial Institution 
• Experience with customer segmentation and customer profiling/personas
• Experience working with and implementing projects through field staff in an emerging market
• Experience working with SQL, Tableau, R, etc.
• Experience in process development and improvement (Six Sigma, etc.)
• Experience in design thinking 

Qualifications: BA in Financial Technology with 5 years of Experience