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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 10, 2025
On-site
HKD 800,000 - 1,200,000 annually based on Hong Kong financial sector compensation trends for senior risk positions

Benefits

Banking industry standard benefits package including likely medical insurance and retirement plans
Professional development opportunities in fintech and cross-border commerce
Exposure to international financial markets and trading networks
Career advancement potential within a growing financial institution

Key Responsibilities

Lead strategic development of cross-border credit policies with direct impact on risk management and regulatory compliance
Drive data-driven decision making through advanced analytics and risk pattern identification
Orchestrate cross-functional collaboration to optimize credit policy implementation
Conduct market intelligence and regulatory framework analysis to ensure policy alignment
Provide executive-level advisory support through comprehensive policy analysis and reporting
Design and implement specialized credit frameworks for e-commerce supply chains

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

SQL, Excel, R, or Python proficiency English written and oral communication Data analysis expertise Cross-border e-commerce understanding Risk management capabilities Policy development experience Regulatory compliance knowledge
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Sauge AI Market Intelligence

Industry Trends

Rapid expansion of cross-border e-commerce creating increased demand for specialized credit risk management expertise Growing regulatory complexity in APAC region driving need for sophisticated credit policy frameworks Integration of AI and machine learning in credit risk assessment becoming industry standard Rise of alternative data sources in credit decisioning requiring new analytical approaches

Role Significance

Likely leads a team of 3-5 credit analysts with matrix management responsibilities across business units
Senior management position with significant influence on organizational risk strategy and policy direction

Key Projects

Development of cross-border e-commerce credit scoring models Implementation of regulatory compliance frameworks for international trade finance Integration of alternative data sources into credit decision processes Design of automated credit assessment systems for e-commerce platforms

Success Factors

Deep understanding of both traditional credit risk principles and emerging e-commerce business models Ability to balance risk management with business growth objectives in fast-moving markets Strong stakeholder management skills across multiple jurisdictions and business units Technical expertise in data analytics combined with business acumen

Market Demand

High demand position due to expanding cross-border e-commerce sector and increasing regulatory complexity in APAC region

Important Skills

Critical Skills

Advanced data analytics capabilities essential for developing new credit assessment models Cross-border regulatory knowledge crucial for policy development Strong business acumen to balance risk and growth objectives

Beneficial Skills

Knowledge of blockchain and digital payment systems Experience with alternative data sources in credit assessment Understanding of machine learning applications in risk management

Unique Aspects

Specialized focus on cross-border e-commerce creates unique opportunity to shape emerging credit frameworks
Position bridges traditional banking and digital commerce, requiring rare combination of skills
Role offers exposure to both established financial systems and emerging digital payment networks

Career Growth

2-3 years in role before progression to higher executive positions, depending on performance and organizational growth

Potential Next Roles

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

Company Overview

PAO Bank Limited

Regional financial institution focusing on cross-border trade and e-commerce financing

Mid-sized player in Hong Kong's competitive banking sector with growing presence in digital banking
Strategic position in APAC's cross-border trade finance market
Fast-paced environment combining traditional banking stability with fintech innovation
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