Perform credit processing and credit underwriting for Unsecured Products (eg. Card, Unsecured Personal Loan)
Render support on quality check to ensure compliance with the regulatory requirements and credit policy
Support end-to-end application processing to cope with the business growth
Monitor turnaround time (TAT) of applications within SLA commitment
Exercise credit judgment in evaluating applications relating to both personal credit facilities/loan products in compliance with the established policy guidelines as well as operating procedures and capable of striking a balance between risk and reward
Prepare regular and specific MIS/credit management reports for management review
Perform various credit control and monitoring functions
Participate in system project implementation to achieve process automation and simplification and result in efficient operation
Perform ad hoc duties as assigned
Requirements
Qualifications
University graduate with 3 years' working experience in consumer credit business, preferably credit underwriting for unsecured lending application
Good accounting and financial analysis skills
Strong sense of compliance awareness
Proven credit analysis experience gained from a financial institution with in depth knowledge and structured credit
Proficient in Microsoft Excel and excellent skills in financial and credit risk analysis
Self-initiative and able to work independently and under pressure
Willing to work overtime
Possess decision making and problem solving techniques
Good communication skills. Good command of both spoken and written English and Chinese