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Credit Policy Manager for Cross Border E-commerce - Job Opportunity at PAO Bank Limited

Hong Kong, HK
Full-time
Senior
Posted: March 3, 2025
On-site
HKD 800,000 - 1,200,000 per year based on Hong Kong financial sector standards and role seniority

Benefits

Work in a leading financial institution
Experience with cutting-edge fintech initiatives
Career development in international banking
Exposure to cross-border finance operations

Key Responsibilities

Lead strategic credit policy development aligned with risk management frameworks and regulatory compliance
Conduct advanced data analysis to identify risk patterns and optimize decision-making processes
Drive cross-functional collaboration to implement and enhance credit policies
Monitor and analyze market trends to ensure policy adaptability
Provide executive-level reporting and strategic decision support
Develop specialized policies for cross-border e-commerce risk management

Requirements

Education

Bachelor's degree or above in finance, economics, statistics, or related fields

Experience

At least 5 years of work experience in credit policy or risk management

Required Skills

Strong data analysis skills Proficiency in SQL, Excel, R, or Python English written and oral communication skills Adaptability Team collaboration Cross-border e-commerce understanding Trade finance expertise
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Sauge AI Market Intelligence

Industry Trends

Cross-border e-commerce is experiencing rapid growth in Asia-Pacific, driving increased demand for sophisticated risk management solutions Financial institutions are increasingly integrating data analytics into credit decision-making processes Regulatory frameworks for cross-border transactions are becoming more complex, requiring specialized expertise

Role Significance

Likely leading a team of 3-5 credit analysts with matrix reporting relationships across risk and business units
Senior management position with significant influence on risk management strategy and business growth

Key Projects

Implementation of automated credit scoring systems Development of cross-border trade finance risk frameworks Integration of alternative data sources for credit assessment Regulatory compliance program management

Success Factors

Deep understanding of both traditional credit risk and e-commerce business models Ability to balance risk management with business growth objectives Strong stakeholder management across multiple jurisdictions Data-driven decision-making capabilities

Market Demand

High demand driven by expansion of cross-border e-commerce and increasing complexity of international trade finance

Important Skills

Critical Skills

Risk analytics expertise for complex cross-border transactions Understanding of international trade finance regulations Advanced data analysis capabilities for credit modeling

Beneficial Skills

Knowledge of blockchain and digital payment systems Experience with alternative credit scoring methods Understanding of emerging market dynamics

Unique Aspects

Rare combination of traditional banking and e-commerce expertise required
Position bridges risk management and digital commerce
Strategic role in expanding cross-border financial services

Career Growth

2-3 years in role before progression to higher leadership positions

Potential Next Roles

Head of Risk Management Chief Risk Officer Director of Credit Strategy Regional Risk Head

Company Overview

PAO Bank Limited

PAO Bank Limited is positioned as a significant player in the Asian financial services sector with growing focus on digital banking and e-commerce

Mid to large-sized financial institution with strong regional presence in Asia-Pacific
Strategic role supporting cross-border operations across major Asian markets
Professional banking environment with increasing emphasis on digital transformation and innovation
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  • Salary estimates and market demand analysis
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  • Critical success factors and key skills
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