Senior Credit Risk Analyst

4 weeks ago


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

At Global Payments Asia Pacific Processing Company Limited, we are seeking a highly skilled Senior Credit Analyst to join our team. As a Senior Credit Analyst, you will play a critical role in assessing and managing credit risk for our merchants, ensuring the growth and success of our business.

Key Responsibilities:
  • Conduct thorough credit assessments and approval of credit applications for merchants, utilizing your expertise in credit underwriting and portfolio risk management.
  • Prepare comprehensive credit reports and recommendations for Regional Management, providing actionable insights to inform business decisions.
  • Monitor and manage credit re-assessment on accounts with conditions of approval, implementing risk-mitigating actions to ensure compliance and minimize risk.
  • Collaborate with Merchants, Sales, and Risk Teams to investigate and resolve credit-related issues, ensuring timely and effective resolution.
  • Regularly review and analyze portfolio quality, identifying areas for improvement and making recommendations to enhance portfolio performance.
  • Develop and implement risk-mitigating actions, working closely with the Credit Manager to ensure effective credit risk management.
  • Prepare and present regular management reports, providing key insights and recommendations to inform business strategy.
  • Support system enhancement changes and provide coaching and guidance to less experienced Credit Analysts.
  • Partner with the Sales Team to drive business results and promote consistent execution across various groups.
Requirements:
  • University degree in Business Administration, Commerce, Finance, Accountancy, or related disciplines.
  • 3-4 years of solid working experience in credit underwriting and portfolio risk management, with strong database and portfolio management skills.
  • Excellent interpersonal and communication skills, with the ability to work effectively with diverse stakeholders.
  • Strong analytical and organizational skills, with the ability to prioritize tasks and meet tight deadlines.
  • Proficient in English and Chinese (Mandarin), with excellent Excel skills and proficiency in other MS Office applications.


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