Lead, Portfolio Strategy & Profitability (Cards & Lending)

Формат работы

onsite

Тип работы

fulltime

Грейд

lead

Английский

Страна

China

Вакансия из Hirify Global, списка международных tech-компаний
Для мэтча и отклика нужен Plus

Мэтч & Сопровод

Для мэтча с этой вакансией нужен Plus

Описание вакансии

Текст:

TL;DR

Lead, Portfolio Strategy & Profitability (Cards & Lending) (Consumer Lending): Driving sustainable and profitable growth across Cards and Lending portfolios with an accent on portfolio management, risk-return optimization, and capital efficiency. Focus on designing credit risk test-and-learn programs, evaluating portfolio performance, and improving profitability across economic cycles.

Location: Hong Kong (SAR); onsite

Company

Mox is a digital bank focused on customer-centered products, data security, privacy, and data ethics.

What you will do

Drive sustainable and profitable growth across Cards and Lending portfolios by balancing growth, risk, profitability, and capital efficiency.
Lead test-and-learn programs covering underwriting, pricing, credit-line assignment, customer segmentation, and portfolio management.
Evaluate portfolio initiatives through risk-adjusted returns, customer outcomes, and long-term performance.
Monitor revenue, profitability, cost of risk, credit losses, customer lifetime value, ROA, RoRWA, delinquency, roll rates, cure rates, recoveries, and net credit losses.
Partner with Credit Risk, Analytics, Finance, and Collections to improve portfolio economics, capital deployment, RWA efficiency, and customer-lifecycle performance.
Own stress-testing business assumptions, dashboards, management reporting, performance reviews, and presentations to senior management and governance forums.

Requirements

Bachelor's degree in Business, Finance, Economics, Statistics, Mathematics, or a related discipline.
10+ years of experience in Credit Cards, Unsecured Lending, Portfolio Management, Risk Strategy, Product Management, or Retail Banking.
Strong understanding of consumer lending economics, credit risk, collections, and portfolio profitability.
Ability to analyze data, develop business cases, and translate insights into commercial actions.
Strong stakeholder management, communication, and influencing skills.

Nice to have

Experience managing portfolio performance, profitability, or risk-return frameworks.
Proficiency in SQL, data analytics, and management reporting tools.

Culture & Benefits

Permanent, full-time employment.
Products, features, and rewards are designed around customer research and customer needs.
Strong focus on data security, privacy, and data ethics.
Banking and lifestyle benefits are provided.

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