About Mox

Mox is built by and for the ones who aspire to live life to the fullest – we call them Generation Mox! The name Mox reflects the endless opportunities we can create, - Mobile eXperience; Money eXperience; Money X (multiplier), eXponential growth, eXploration… it’s all up for us to define together.

Why Mox

Everything at Mox – from our products, features, to rewards – is designed based on customer research, tailor made for your needs. We care about what customers care about, especially in data security and privacy. Data ethics is core to everyone here at Mox.

Mox rewards you with an array of banking and lifestyle benefits. Who says banking can’t be fun?

Job Summary

We’re looking for a Credit Risk Manager.

Key Responsibilities

• Perform underwriting and credit evaluation on retail lending credit application.
• Ensure efficient turnaround of credit processing through process review and design, identification of any operation gap against policy and control, continuously improve the operational efficiency and effectiveness.
• Identify and assess credit risks and potential problems, work closely with Credit Policy provide feedbacks and recommendations in enhancing the credit strategy.
• Carry out UAT on system implementation of the credit risk strategies. Provide user requirements to Lending and Credit Risk Squad teams to develop adequate system capabilities for proper credit risk management.
• Ensure full compliance with Mox Credit Policies and Process Standards. Dispensations or any gaps must be well supported and approved on a timely basis.
• Conduct periodic review and update of credit approval procedure manual.
• Perform due diligence for new products and credit programs and related implementation.
• Proactively participate in end-to-end credit cycle portfolio review, provide feedbacks in early warning signals performance.
• Ensure effective management of operational risks in credit approval and compliance with applicable internal policies, and external laws and regulations.
• Escalate credit risk issues timely and ensure appropriate mitigating actions are devised and implemented, engaging all key stakeholders.
• Coordinate with business and other functional units to optimize credit approval tasks.
• Assist to liaise with regulators and auditors, and provide explanations and clarifications on the credit approval methodologies adopted by the Bank.

Internal:

• CRO
• Operational Risk Team
• Credit Risk Teams
• Business Heads and Product Owners
• Portfolio Quality Reviews and ERC (or other forums, as may be applicable)
• Internal technology partners, squads
• Compliance and Customer Experience Management units
• HR team
• Internal Auditors

External:

• HKMA and other local regulators
• External auditors

Skills and Experience

• Minimum 8 years of consumer credit management experience covering Unsecured Lending. Experience in credit approval / credit analysis is a must.
• Familiar with acquisitions or portfolio management credit policies, and/or have practical know-how in decision engine functions.
• Sharp business acumen (including ability to assess risk and appropriate levels of return).
• Knowledge in the regulatory requirements and internal control on credit risk perspectives.
• Detailed-oriented, good analytical, interpersonal and communication skills.
• Result oriented, dedicated who can work on own initiative and can deliver on time under pressure with a high level of integrity and flexibility, attention in details and quality standard.

To be eligible for internal referrals at Mox Bank, you must be referred by a full time permanent employee of Mox Bank.