Associate Product Owner, Credit Risk

Location: Hong Kong (SAR); workplace type: onsite

Company

A digital banking product focused on mobile financial experiences, customer research, data security, privacy, and data ethics.

What you will do

• Translate Risk team requirements into decision logic for credit decisioning flows.
• Develop, monitor, and improve retail credit risk policies in the credit decision engine.
• Set the strategic direction for the Credit Risk Squad and optimize business outcomes through risk-informed decisions.
• Research retail lending, credit risk trends, and emerging features, then identify relevant applications for financial services.
• Plan, prioritize, evaluate, and deliver the credit risk product backlog with Risk and Lending squads.
• Define and report product and risk KPIs while automating credit risk analytics and management-information reporting.

Requirements

• University degree in Statistics, Mathematics, Computer Science, Economics, Finance, Risk Management, or a related field.
• Coding experience is required; SQL and Python are preferred.
• Experience with retail credit risk products, credit risk methodologies, and modelling adoption or deployment.
• Knowledge of credit bureaus and credit decision systems; FICO Decision Modeler experience is advantageous.
• Understanding of credit risk in unsecured lending and credit card portfolios.
• Strong communication, presentation, leadership, analytical, problem-solving, strategic-thinking, and interpersonal skills.

Culture & Benefits

• Customer research guides product, feature, and reward design.
• Strong emphasis on data security, privacy, and data ethics.
• Banking and lifestyle benefits are provided.
• Permanent full-time employment in an onsite workplace.