职责描述: 1. Proactively manage the credit policy framework and ensure it's updated in line with economic and portfolio trends, regulations and global / regional policies and guidelines. 2. Develop product programs for AMH lending products with product manager and manage each product program to achieve AMH's profitability goals within the risk appetite. 3. Support the delivery of AMH key projects, including Transformation, HKMA regulatory requirement to ensure the compliance of the local regulatory requirement and business development. 4. Administer the dissemination of credit policies. Recommend and implement new policies or policy changes. Coordinate with IT and operations to implement policy if necessary. 5. Ensure regional compliance with all internal and regulatory controls in the dynamic local regulatory environment. 6. Develop and manage MIS to reflect delinquency, loss, vintage, profitability, new acquisition trend, score performance and possibility to increase profit from new and existing customers. 7. Analyze and identify potential areas of improvement in credit loss, product offers, credit procedures, etc. 8. Escalate emerging risk issues timely and ensure appropriate mitigating actions are devised and implemented swiftly engaging all key stakeholders. 任职要求: 1. Degree holder with 3 years of relevant professional experience in retail credit management, accounting, Retail Banking