Lead Credit Risk Analyst

7 days ago


Hong Kong, Central and Western District, Hong Kong SAR China Global Payments Asia Pacific Processing Company Limited Full time

About Global Payments Asia Pacific Processing Company Limited: We are a leader in the payments technology sector, enabling seamless transactions for millions of individuals and businesses globally. Our innovative solutions cater to a diverse clientele, including over 3 million enterprises and 1,300 financial institutions, ensuring they thrive in a competitive marketplace.

Key Responsibilities:

  • Perform thorough credit evaluations and authorize credit requests from merchants, spanning from small and medium enterprises to large multinational corporations.
  • Compile detailed credit reports on regional accounts and deals, presenting findings to Regional Management for further action.
  • Oversee the reassessment of credit on accounts with conditional approvals, ensuring compliance with established covenants and executing necessary risk mitigation strategies.
  • Collaborate with Merchants, Sales, and Risk Teams to investigate and address daily credit-related inquiries.
  • Conduct ongoing reviews of portfolio quality, recommending adjustments to ratings and collateral as necessary, while suggesting enhancements for portfolio management.
  • Advise the Credit Manager on strategies for risk reduction.
  • Generate regular management reports to track performance and trends.
  • Support system enhancements and contribute to process improvements.
  • Mentor and provide guidance to junior Credit Analysts.
  • Work closely with the Sales Team to align business objectives and ensure consistent execution across departments.
  • Engage in additional responsibilities and special projects as assigned.

Requirements:

  • Bachelor's degree in Business Administration, Finance, Accounting, or a related field.
  • 3-4 years of substantial experience in credit underwriting and portfolio risk management, with strong skills in database and portfolio oversight.
  • Exceptional interpersonal and communication abilities.
  • Strong organizational skills, with a keen analytical mindset and attention to detail.
  • Able to perform under pressure and meet stringent deadlines.
  • Fluent in English and Chinese (Mandarin), both written and spoken.
  • Proficient in Microsoft Excel and familiar with other MS Office applications such as Word, Access, and PowerPoint.


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