Senior Credit Initiation Manager
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?
Who are we looking for?
Assessing and approving unsecured lending products within delegated authority
Assessing and approving unsecured lending products within delegated authority
- Perform manual credit underwriting in Unsecured Lending products acquisition and limit increase approval within delegated authority and ensure the credit approvals are complying of Credit Policy and HKMA guidelines
- Review and analyze applicants’ credit reports, financial statements, and other relevant documentation to assess creditworthiness to recommend or approve applications
- Quality assurance in underwriting and well manage on the credit approval process turnaround time
- Facilitate and support the launch of new product/ projects. Lead the Credit Initiation Operation to identify, coordinate, drive and implement the changes
- Design and review operation flows from time to time. Support UAT and implementation for the underwriting process change
- Collaborate and sharing with other stakeholders on risk identifications in post approval review
Risk Management
- Ensure all Credit Initiation policies and procedures comply with Credit Policies and Standards. Ensure proper and updated documentation in place
- Keep abreast of prevailing market developments, industry knowledge, the Bank's policies/ guidelines and regulatory requirements
People & Talent
- As a lead, Credit Initiation Operation in encouraging and promoting an active training and learning environment to facilitate excellence in risk management, risk awareness, behaviors and accountability
Governance
- Embed the Mox’s values and code of conduct in Credit underwriting to ensure that adherence with the highest standards of ethics, and compliance with relevant policies, processes and regulations among employees forms part of the culture
- Accountable for satisfactory closure of issues / gaps arising from Internal and external Audits, peer reviews and regulatory reviews
- With at least 5-8 years of experience in Credit Initiation Operation on unsecured loan products, credit card, preferably in financial industry
- Bachelor degree, or / another equivalent professional qualification
- English, Chinese
- Strong self-motivation and positive attitude with good project management and interpersonal skills
- Ability to bring divergent ideas to create new and valuable solutions
- Resilience to stress, able to unlock full potential and prepare for the future of work